NWF Capital
Simplify your business finances by consolidating multiple debts into one manageable solution.
Overview
Managing multiple business debts can be overwhelming and costly. NWF Capital's debt consolidation solutions allow you to combine multiple obligations into a single, structured loan with clear terms and a defined exit strategy.
By consolidating your business debts, you can reduce your overall monthly commitments, simplify your financial management, and free up cash flow for growth. We work with you to understand your full financial picture and structure a solution that works.
Our approach is practical and flexible. We focus on your property security and exit strategy rather than credit history, making debt consolidation accessible even when traditional lenders have said no.
Key Features
Replace multiple payments with one clear, manageable monthly commitment.
Lower your overall monthly outgoings and free up cash flow for business operations.
We work with you to define a clear path to paying down your consolidated debt.
Secured against your residential or commercial property for competitive terms.
Approvals within 24 hours so you can resolve debt pressure quickly.
Interest-only options and terms from 1 to 24 months to suit your situation.
Structure
Multiple obligations are refinanced into a single property-secured facility. Existing creditors are paid out directly at settlement, leaving you with one loan, one rate and one clear payoff path instead of several competing demands with different due dates and escalating costs.
The facility is secured by first or second mortgage over property you own, runs on interest-only terms, and can capitalise interest so the immediate cash-flow pressure lifts straight away. That breathing room is often the point: a business that is solvent but strangled by short-term repayments needs room to trade its way back, not another repayment.
The exit is typically a refinance to mainstream lending once trading has stabilised and the adverse history has aged, or a sale of the security or another asset.
Assessment
Our credit assessment turns on three things: the security property, the amount you need against it, and how the loan will be repaid. We form a view on the value of the asset, the position we would hold on title, and whether your exit — a sale, a refinance, or a defined cash event — is realistic within the term you are asking for.
What we do not do is run your application through a servicing calculator. Tax returns, BAS statements and credit scores are not the centre of the decision, which is why borrowers who are declined by banks for reasons that have nothing to do with the strength of the deal are often funded here. Impaired credit, outstanding ATO debt, recent business restructures and limited financials are all workable.
Applications are reviewed on the day they arrive by the people who write the loans. You will have a decision within 24 hours, terms disclosed in full before you commit, and one point of contact through to discharge.
Use Cases
ATO debt and payment arrangements at risk of default. Merchant cash advances and short-term business lending, which are frequently the most expensive money on the books and the fastest to compound. Equipment and vehicle finance. Trade creditors and supplier arrears. Multiple private facilities that have accumulated at different times on different terms.
The clearest case for consolidation is where the blended cost of what you are carrying exceeds the cost of a secured facility — which, with unsecured business lending and cash advances in the mix, it very often does. Run the numbers on total monthly outgoings before and after, not just the headline rate.
Getting Started
A complete submission fits on a page. We need the security address and property type, your estimate of its value and the basis for it, any debt currently secured against it, the amount you are seeking, and a clear statement of how and when the loan repays.
Beyond that, a few sentences of honest context about the transaction helps more than a stack of documents. Anything adverse — defaults, arrears, tax debt, disputes — is far better disclosed at the outset than discovered at settlement. It rarely stops a deal; late discovery frequently does.
Supporting documents such as rates notices, payout figures, valuations, contracts of sale and, for development files, build contracts and cost plans, can be uploaded directly with your application to speed up assessment.
FAQ
Business debts including ATO arrears, merchant cash advances, unsecured business loans, equipment and vehicle finance, trade creditors, and existing private lending facilities.
Paying out existing obligations in full is generally a better outcome for your file than continuing to accrue arrears or defaults. We assess applications on the security and exit rather than the credit file itself.
Yes. These facilities are secured by property, so there needs to be sufficient equity in a property you own to support the amount being consolidated.
Yes, and it is one of the most common reasons for these facilities. Paying the ATO out in full at settlement stops interest accruing and removes the risk of enforcement action.
Interest can be capitalised into the facility where cash flow is tight, meaning no monthly outflow during the term. That is often the whole purpose of consolidating.
The facility is repaid from your exit — usually a refinance back to mainstream lending once trading has stabilised, or the sale of the security or another asset.
Related
Get Started
Complete this quick form and we'll provide a no-obligation funding offer within 24 hours.