Eligible business debts
Genuine business facilities considered for consolidation — not consumer debt relief or personal and household borrowing.
BUSINESS DEBT CONSOLIDATION
Make your debt make sense.
Several business facilities can become one clearer structure. The proposed approach compares the full cost and the debt still owing at the same future date, not just the monthly payment.
WHAT CONSOLIDATION WOULD REVIEW
Direct payouts
Consolidated facilities paid out directly where appropriate, so the funds clear the debts they are intended to.
Account closures where appropriate
Closing paid-out accounts where it makes sense, so old limits are not simply left open to be drawn again.
Cost and debt remaining, compared
Total interest and fees, and the balance still owing at the same future date, set against the current arrangements.
PROPOSED STARTING CRITERIA (NOT LENDER APPROVAL)
- 01Eligible business debts, secured against completed, marketable property
- 02Core target leverage of 50–55%, with a proposed 60% outer ceiling
- 03Existing income to support the consolidated repayments, evidenced by records
- 04A first-mortgage position prioritised over junior or second-ranking security
- 05Initial facility focus of $1m–$5m; amounts outside this need further review
A lower monthly payment is not the same as a lower total cost. Stretching debt over a longer term can increase what you repay overall — which is why the comparison holds the future date constant.