How consolidation works
A new lender pays off your existing balances, and you repay the new lender on a single schedule — often monthly instead of daily. Kacu debt consolidation is designed to reduce both cost and payment frequency.
Signs you should consolidate
- You have two or more merchant cash advances or short-term loans
- Multiple payments hit your bank account every day or week
- You are using new funding to make payments on existing funding
- Your credit or revenue has improved since you first borrowed
Calculate the real savings
Add up the remaining payback on each debt and compare it with the total cost of the consolidation loan, including fees. Also consider the cash-flow benefit: moving from daily to monthly payments can free up significant working capital.
Frequently asked questions
Will consolidating hurt my credit?
Prequalifying with a soft credit pull does not affect your score. Over time, a single on-time payment can support a healthier credit profile.