Refinance any business debt into better terms
From high-interest term loans to predatory MCAs, we refinance all types of business debt. Cut your rate, lower your payment, or consolidate multiple loans into one monthly payment-
1000+ Businesses Served
$300M Deployed
20+ Lending Partners
500+ SMB Resources
Four paths to better debt
Here's how we help you refinance into healthier terms.
MCA Refinance
Replace daily payments with monthly payments. Our private loan funds in 7 days or less and cuts your rate in half immediately.
Term: 12-120 months
Payments: Monthly
Funding: 7 days or less
MCA to SBA Package
Our signature refinancing path. We refi you out of MCA debt, manage your 12-month preparation, then facilitate your SBA refi with our partners.
Term: 12-120 months initial, then 5-25 years SBA
Payments: Monthly
Timeline: 12-18 months total
Debt Consolidation
Combine multiple high-interest loans into one monthly payment. Simplify your debt and improve cashflow.
Term: 12-120 months
Payments: Monthly
Funding: 1-2 weeks
Main Street Loan Refinancing
Refinance your Main Street Lending Program loan as the program phases out. Better terms available now.
Term: 2-14 years
Payments: Monthly
Funding: 2-4 weeks
What kind of debt are you carrying?
We refinance all business debt, but here's where we specialize.
General refinancing
You have high-interest business loans and want a lower rate. You're carrying multiple loans and want to simplify into one payment. Your credit has improved since you first borrowed. Your business has grown and you qualify for better terms now.
We can help
Consolidate your debt, lower your interest rate, and simplify your payments. Standard refinancing takes 1-2 weeks through our partner lenders.
Predatory debt refinancing (our specialty)
You have high-interest business loans and want a lower rate. You're carrying multiple loans and want to simplify into one payment. Your credit has improved since you first borrowed. Your business has grown and you qualify for better terms now.
We can help
Get you out immediately with our private MCA refinance, then manage your path to SBA rates.
The MCA to SBA refinancing path
This is our signature product. Here's how we get you from predatory terms to the lowest rates available.
ChatBiz refinances your MCA debt directly from our private fund. We pay off your daily payment loans and replace them with a single monthly payment. This happens in 7 days or less.
Rate reduction: 80% APR → 20-30% APR Payment change: Daily withdrawals → One monthly payment Cashflow impact: Immediate stabilization
We manage your preparation for SBA refinancing. This includes connecting you with business consultants through our nonprofit partner network, monitoring your payment history and credit improvements, and tracking your business growth to time your SBA refi perfectly. You cannot take new MCA loans during this period.
What you're doing: Making on-time monthly payments, cleaning up your books, improving operations What we're doing: Preparing your SBA package, monitoring your readiness, coordinating with our partner lenders
When we receive your year-end tax return showing the MCA debt is gone and you've made 12 months of on-time payments, we facilitate your SBA refinance through our vetted partner lenders. Because we already refi'd you once and are experts in SBA, we make sure you're ready to refi as soon as the 12-month mark passes.
Final rate: 11-13% APR (SBA standard) Term: 5-25 years Payment: Lower monthly payment with longer term
80% APR daily payments → 12% APR monthly payments in 12-18 months
Minimum eligibility for refinancing
Here's what you need to qualify.
MCA Refinance
- Currently in MCA, factoring, or daily payment loan
- 12+ months in business
- $100K+ annual revenue
- 640+ credit score
- 1.25 DSCR
MCA to SBA Package
Requirements
- Same requirements as MCA Refinance
- SBA-eligible business
Commitment
- 12-month preparation process
- No new MCA loans during refinancing
- Willingness to work with consultants
Debt Consolidation
- Multiple high-interest loans
- No MCAs on balance sheet
- 12+ months in business
- $25K+ annual revenue
- 600+ credit score
Not eligible yet?
We'll tell you exactly what you need to work on and point you to resources that can help. Check our Founder Resources for grants, consulting, and training.
How we deliver refinancing
MCA refinancing comes from our private fund. Everything else is facilitated through our partner lenders.
Private fund
MCA Refinance - funded directly by ChatBiz in 7 days or less
Partner facilitated
Debt consolidation, Main Street refinancing, and SBA refinancing
Full path management
For MCA to SBA clients, we manage the complete 12-18 month journey from start to finish
Led by SBA experts who've seen the damage MCAs cause
Check Eligibility1,000+
$300M+
Don’t take our word for it, see what business owners are saying
They turned complex financial challenges into smooth solutions — and made the process enjoyable.
The team at ChatBiz Finance are knowledgeable and seasoned professionals, further strengthened by an entrepreneurial spirit. I highly recommend them.
ChatBiz made it easy from day one. They reorganized my books and helped me get approved when I really needed clarity and support. They’re true experts who got me the best structure for my financial goals.
Take the first step to better debt
Check your eligibility for refinancing and debt consolidation. No credit pull. No commitment.
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