Consolidation Loans
If your business is juggling multiple finance agreements, whether that’s from different lenders, on different terms, or with varying repayment schedules, a consolidation loan offers a simple way to bring them all under one roof. By combining your existing borrowings into a single facility, you could reduce your monthly outgoings, improve cash flow, and regain clarity and control.
A consolidation loan allows you to settle outstanding agreements and replace them with one new loan — giving you one repayment date, one interest rate, and one clear timeline.
Funding for Consolidation
As your business grows, it’s not uncommon to take out several finance agreements to meet different needs — from equipment and vehicles to marketing or short-term cashflow support. But over time, managing multiple repayments, interest rates, and terms can become complex – adding unnecessary strain on cashflow.
A debt consolidation loan simplifies everything by combining your existing agreements into a single, manageable facility. This could mean lower monthly repayments, a longer repayment period, or simply fewer admin headaches — giving you more time to focus on growth and operations.
To see how this approach supports day-to-day financial stability, read our article: The role of working capital finance for SMEs. At Origin, we offer tailored consolidation loans from £10,000 upwards with fixed monthly repayments and flexible terms.
Are high upfront costs pricing your business out of a Consolidation Loan? Distributing payments over a period of time could help significantly.
How Does a Consolidation
Loan Work?
Consolidation Loans sit within our wider Business Loan range and are designed to help businesses streamline existing borrowing into a single, manageable facility, reducing complexity and improving cash flow. Where eligible, they can be supported by the Government-backed Growth Guarantee Scheme.
Once you’re ready, your Account Manager will assess your current finance agreements, identify early settlement options, and shortlist the most suitable lenders for consolidation — often within 24 hours. Once accepted, funds are transferred directly to settle your existing debts, and your new agreement begins straight away.
You can also explore our website tools to support your decision making, including our repayment calculators to get a clear idea of monthly costs, and our eligibility checker for a quick, commitment-free check on potential funding options.
Commercial Consolidation Loan Key Points
Consolidate from £10,000 up to £5,000,000.
Repayment terms from 1–7 years.
Reduce multiple agreements into one simple repayment.
May lower monthly costs and improve cash flow.
Origin are a finance broker and we will pair you with the most suitable lender on our panel.
Consolidation Loans FAQs
Can I repay the loan early?
Can I still borrow more at the same time?
Do I need security to consolidate?
Do I need to consolidate all my finance agreements?
How do I know if consolidation is right for me?
How quickly can a Consolidation Loan be arranged?
What different finance solutions does Origin offer?
What’s the benefit of consolidating business finance?
