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They may even enable you to borrow additional working capital.SBA loans help you lower your debt payments by offering lower interest rates and longer repayment terms than other term loans.Smart Biz offers these SBA loans up to 0K and repayment terms up to 10 years.We asked Mihir Kroke of Able Lending when the right time to apply for debt consolidation was, and this was his reply:“There are two timelines to keep in mind when consolidating business loans.Timeline #1 applies if you had good credit and took out a short term loan because you needed the quick-turnaround time of a short term loan provider.

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