Business Loans

Tailored commercial financing with amounts up to $500K1,2 and flexible terms of up to 12 years1

Debt consolidation loan

Turn business debts into one fixed and affordable monthly payment

Existing business investment loan

Upgrade and expand your current business to increase your bottom line

New business opportunity loan

Buy into a business or develop passive income opportunities

Working capital loan

Boost your liquidity to finance all of your business needs and initiatives 

Personal Loans

Customized consumer financing with amounts up to $200K1 and flexible terms of up to 10 years1

Debt consolidation

Turn personal debts into one fixed and affordable monthly payment

Home improvement

Remodel your kitchen and bath, add a pool, or make other upgrades to your space

Other ways to use your funds

Pursue multiple goals with one comprehensive financial solution 


Simplify debt, boost spending power

Make a strategic decision to optimize your business finances.

How much are you looking to finance?
Please enter a value between $20,000 - $500,000

No application fees, commitment, or impact on personal credit to view your estimate.

BHG Loans

The BHG Money difference:

Large loans

Up to $500K1,2

Low payments

Up to 12 years1

Concierge service

7 days a week


Streamline repayment
and free up funds to expand

With the right planning, a commercial loan can be a powerful tool that empowers
you to achieve your short-term financial goals and long-term growth.


Simplify your finances

Consolidation takes your existing debts and combines them into a new loan with one due date and fixed monthly payment.


Decrease debt payments

Compared to financing with high variable rates, our loans feature fixed rates, extended terms1, and lower payments.


Increase cash flow

By decreasing your existing monthly debt payments, you will have more capital available to put back into your business.


Lending designed around you

As a hardworking professional, your time is valuable. 
We've streamlined the funding process to provide you with a frictionless experience.

3 steps

1. Get Started

Our dedicated team will guide you through the process and help you submit any necessary documents.

2. Review your file

We’ll review your qualifications and check your credit, but don’t worry—applying won’t affect your credit score.3

3. Receive your funds

If approved, we’ll make sure your custom loan solution meets your needs and gets funded promptly.


BHG Money creates financial solutions tailored to the unique needs of the country’s top professionals, providing a lending experience built on premium concierge service.


Loans funded

A+ Rating




Consider us your trusted financial partner

We're commited to serving the needs of our borrowers. 


FAQs: Business Debt Consolidation Loans

Business Debt Consolidation Loans are specifically intended to cover commercial debt, including: merchant cash advances, commercial working capital loans, business lines of credit, and business credit cards.  They may also be used to cover business expenses charged onto a personal credit card.

However, a Business Debt Consolidation Loan from BHG Money cannot be used to cover personal loans, personal credit cards, or other types of personal/consumer debt.  

Business debt consolidation is the process of combining your current business debt(s) into a new loan with a single, fixed interest rate.

To get a Business Debt Consolidation Loan from BHG Money, simply follow these steps:

  1. Fill out an application. You can apply online in minutes or call us directly to speak with a loan specialist.
  2. We’ll gather the necessary documentation for you. This may include income verification documents such as tax returns and bank statements. If anything else is needed to process your application, we’ll reach out to work with you.
  3. After we’ve received all the necessary information and documents, our team will review your qualifications and notify you promptly regarding approval.

No. Applying for our business loans will not impact your personal credit. We only perform a soft pull of your credit when you apply, so your score will remain intact. After you’re funded, your BHG Money business loan will not be reported to the credit bureaus. However, if your account becomes delinquent, we can report the delinquent trade line to the bureaus.

If you have multiple types of business debt with high and/or variable interest rates—and multiple payment dates to remember each month—business debt consolidation can roll those debts into one new loan.

Unlike many other lenders, a Business Debt Consolidation Loan with BHG provides a fixed interest rate and extended terms—giving you one fixed-rate monthly payment that is easy to manage. 

BHG considers you based on the credit and income you provide at the time of your loan application and approval.

Important note: If your employment or income status changes after you receive a loan, you’re still obligated to pay it back based on the existing loan terms.

No, we evaluate a combination of personal and business income, among other factors, to make a loan decision.

No, there is no minimum requirement.

Depending on your existing credit utilization, we may ask you to use a percentage of the loan proceeds to pay down existing debt in order to qualify.

Our Business Debt Consolidation Loan is a secured loan. For commercial loans, BHG Money files a lien on the business via a Uniform Commercial Code (UCC) filing.  

The interest rate is fixed.

The typical Business Debt Consolidation Loan customer earns an annual income of $149K/year, has a 721 FICO Score, and an average of 22 years of experience.

View your estimate

There is no cost, commitment, or impact on your credit score to see your estimate.

¹ Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant's credit profile. Finance amount may vary depending on the applicant's state of residence. Call for complete program details.

² BHG Money business loans typically range from $20,000 to $250,000; however, well-qualified borrowers may be eligible for business loans up to $500,000.

Testimonial(s) based on unique customer experience. Individual customer experiences may vary.

For California Residents: BHG Money loans made or arranged pursuant to a California Financing Law license - Number 603G493.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies every customer. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. If all required documentation is not provided, we may be unable to establish a customer relationship with you.