The fine print never reads like a daily debit that never stops. You are not the first good owner it caught, and there is a way out. 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 the daily and weekly ACH pulls from every advance with a single monthly payment, so your account is not drained the moment sales land.
A 3-year term with 10-year amortization spreads the full balance out, so one monthly payment comes in lower than the stack of advances you carry now.
No revenue-based holdback that never ends. You get a fixed payoff date, a clear 13 to 18% APR, and a path back toward an SBA loan.
What consolidation looks like
Payoff amount
Up to $500K
Rate
13 – 18%
APR
Term
10 yrs
fully amortized
Positions
Multiple advances
consolidated
Payments
Monthly
never daily
Funding speed
3 – 7 days
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
Send your current advance statements and an advisor will model your new payment before you apply. 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 stacked merchant cash advance 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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