Consolidate multiple business loans and advances into a single monthly payment with a clear payoff date. A fixed 13 to 18% rate, funded in as fast as 3 days. No hard credit pull to check.
1000+
Businesses funded
$50K to $500K, funded in 3 to 7 days
20+
Years of lending experience
board member, National Association of Government Guaranteed Lenders
$300M+
Deployed
for payroll, inventory, equipment, expansion, and debt refinancing
Why owners consolidate with us
Replace daily and weekly debits from stacked advances with one monthly payment, so your account is not drained the moment sales land.
A 10 year fully amortized term spreads the full balance out, so one payment comes in lower than the stack you carry now.
No revenue based holdback that never ends. You get a fixed 13 to 18% APR and a clear payoff date.
What you get
Amount
$50K–$500K
for working capital or refinancing existing debt
Rate
13–18%
a clear fixed APR, never a factor rate
Term
10 years
fully amortized, with a clear payoff date
Payments
Monthly
never a daily or weekly debit
Funding
As fast as 3 days
most complete files fund within about a week
Eligibility check
No hard credit pull
a soft pull only, about 2 minutes
Owners who grew with ChatBiz
★★★★★
"They turned complex financial challenges into smooth solutions - and made the process enjoyable."
Christopher McKenney
SBA Loan
★★★★★
"ChatBiz helped me when I needed clarity and gave great advice throughout the process."
Carlos de Varona
Refinance
★★★★★
"ChatBiz made it easy from day one. They advised me on my bookkeeping and helped me get approved when I really needed clarity and support."
Akhil Bhandare
Working Capital
Talk to a funding advisor who understands small business, before, during, and after you are funded. No call centers, no runaround.
(727) 432-0428
Monday–Friday · 9 a.m.–7 p.m. ET
Common questions
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Check your eligibility to consolidate $50K to $500K of business debt into one monthly payment. No hard credit pull, no obligation.
Check my eligibilityNo hard credit pull. No obligation. We never sell your data.
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