Business owner is seeking a large debt consolidation or working capital loan to refinance multiple high-cost loans and access additional capital.

Existing options (traditional bank loans, SBA loans, alternative lenders) may have slow approval, high rates, short terms, or insufficient amounts; there is no single product tailored to consolidate multiple small business debts with favorable terms.

Severity

4High

Willingness to Pay

explicit

Added

May 23, 2026

App Concept

CapConsolidate Pro

A specialized debt consolidation and working capital platform for small businesses that have been in operation 1-3 years. It aggregates existing debts, negotiates with lenders to lower rates, and provides a single line of credit up to $500k with flexible repayment terms based on cash flow.

Key Features

Automated debt aggregation from multiple lenders and LOCs
Single dashboard to manage all debts and working capital
Flexible repayment based on daily/weekly revenue (revenue-based financing)
One-click application with integration to business bank accounts and accounting software

Target Users: Small business owners with 1-3 years in operation who are drowning in multiple high-cost loans and need $100k-$500k for consolidation and growth.

Revenue Model: Origination fee (2-4% of loan amount) plus a monthly platform fee of $49-$99, or revenue-share model with 1-2% of funded amount.

Existing Solutions Mentioned

multiple loans/LOCs

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