Debt Consolidation Loan

Fund your path forward with financing on demand.

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Financing at your fingertips ready to work for you, whenever you need it. From $5K up to $500K in as little as 24 hours.

Debt Consolidation Loan Built For Businesses.

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One Loan. One Payment.

Combine multiple debts into a single, easy-to-manage monthly payment. No more juggling due dates or tracking balances just one clear path forward.

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Improve Your Credit Score

By consolidating debt into one structured loan, you can reduce credit utilization, avoid missed payments, and start rebuilding your credit profile.

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Avoid Bankruptcy or Collections

Consolidation helps you avoid default, collection calls, or bankruptcy without damaging your long-term financial future.

The Merchant Cash Advance Built for Small Business

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Credit Repair

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One Payment

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Lower Interest

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Cash Flow

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Low Risk

Use your Merchant Cash Advance to cover key expenses, seize new opportunities, and keep operations running.

Are we a good fit for your business?

If your business meets the following basic criteria, our all-digital application process will have us on the way to helping you in minutes.

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A table listing minimum requirements for a business loan or program, including 6 months in business, credit score 500+, annual revenue of $120,000, locations in Canada and the USA, and requirements for a business bank account and corporate status.

Apply Online, Hassle-Free

1

See if you’re eligible

In just a few clicks, check if your business is eligible to apply for a loan.

2

Apply online

We’ll ask for information about you, your business, its leadership and shareholders.

3

Sign and receive your funds

Once your application is approved, the funds will be directly deposited into your account.

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Hear From Our Clients

Trusted By Businesses Like Yours

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"Kacu made the loan process incredibly simple. I applied online, got approved within hours, and had funds in my account the next day. Customer service was top-notch!"
— Ahmed M., Small Business Owner

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"Kacu was exactly what we needed when cash flow got tight. Their flexible line of credit helped us stay on top of payroll and vendor payments during a critical time."
— Michael P., Logistics Company Founder

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"The rates were competitive and the terms were clear. I used my loan from Kacu to consolidate debt, and it’s been a total game changer."
— Laura P., Marketing Consultant

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"Kacu gave me access to funds when my bank said no. They looked at the whole picture and not just my credit score. Grateful for the opportunity!"
— Melissa G., Entrepreneur

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"As a first-time borrower, I had a lot of questions. The team at Kacu was incredibly patient and helpful. I now have a line of credit that supports my seasonal business needs."
— Andre V., Landscaping Business Owner

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"The loan process with Kacu was refreshingly straightforward. Their team explained everything clearly and never made me feel rushed or pressured."
— Jon C., Apparel Business Owner

FAQs

Common Questions. Straight Answers.

  • A Business Line of Credit gives you flexible access to capital. You draw funds as needed, repay over time, and reuse the credit line as you pay it down.

  • It’s ideal for managing cash flow, handling unexpected expenses, or purchasing inventory. If your business has regular short-term financing needs, a line of credit offers flexibility.

  • To qualify, most businesses need to show at least 6 to 12 months of operating history and a minimum annual revenue of $120,000. Credit score requirements may vary, but Kacu Lending also considers your business’s cash flow and overall health, not just your credit score.

  • Fixed repayment means you repay your draw in regular daily or weekly installments with a set repayment amount.

  • Unlike credit cards, a line of credit typically offers lower interest rates, higher limits, and more flexibility for larger business purchases.

  • A Business Term Loan provides a lump sum up front with fixed repayments over a set period. A Business Line of Credit is revolving, so you can draw funds as needed up to your limit and repay flexibly. Term loans are ideal for big investments, while lines of credit are better for ongoing or unexpected expenses.

  • You’ll typically need to provide basic business information and recent bank statements. The process is quick and 100% online.