Business Debt Consolidation Solutions for Struggling Companies

Your business generates revenue but the money disappears before you can use it. Daily MCA withdrawals, CRA arrears, and maxed out credit cards drain your account and leave nothing for payroll, inventory, or growth. At Inspired Management Consulting, we help business owners across Canada consolidate toxic debt into one manageable monthly payment. We pay off your high cost lenders directly and restore the cash flow your business needs to survive and grow.

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Toxic Debt

Merchant Cash Advances and CRA Arrears Are Crushing You

Merchant Cash Advances seemed like a quick solution when you needed fast cash. Now they withdraw money from your account every single day. Some days you wake up to multiple withdrawals before your business even opens. You took one MCA to cover a gap, then another to cover the first. The daily payment cycle traps you with no way out. Your bank account stays empty and suppliers stop extending credit because you cannot pay on time.

CRA debt makes everything worse. CRA can freeze your business bank account, register liens against your property, and garnish your receivables. Meanwhile, business credit cards charge 20 percent interest and minimum payments barely cover the interest. Every month you fall further behind. At Inspired Management Consulting, we understand this cycle because we see it every day. We consolidate your MCA loans, CRA arrears, and credit card balances into one structured loan with monthly payments your cash flow can handle.

Business debt consolidation Refinance business debt Merchant cash advance help

Restructure Your Debt and Reclaim Your Cash Flow

Business debt consolidation in Canada replaces multiple high cost payments with one structured loan. If you currently pay $3,000 per week in MCA withdrawals, that equals $12,000 per month leaving your account. A consolidated loan at $4,500 per month returns $7,500 to your operations every single month.

We work with equipment lenders, commercial mortgage providers, asset based lenders, and private business financing companies to structure your consolidation. Your trucks, machinery, commercial property, or accounts receivable become leverage to secure a lower rate loan that pays off toxic debt in full. Your business credit stays intact. Your suppliers get paid on time. Your cash flow stabilizes and your business has room to recover and grow.

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Why Choose Us

Real Support for Real Business Owners

Most consultants hand you a report and disappear. We work alongside you. From finding the right loan to managing your books, we stay involved until you see real results. Your problems become our problems and we do not walk away until they are solved.

A rejected application is not the end of the road. We review your situation, fix the gaps, and reapply with lenders who are more likely to say yes. We push until you get funded.

No two businesses are the same. We look at your specific numbers, your industry, and your goals before recommending anything. You get a plan built for you, not a recycled template.

Business loans, personal financing, and management support all under one roof. You do not need to juggle multiple advisors. One call to us handles everything.

About Inspired Management Consulting

Licensed Advisors

Our team includes certified professionals who meet industry standards and stay updated on regulations that affect your business.

10+ Years Experience

We have spent a decade helping small business owners across Canada navigate financing and management challenges.

No Hidden Fees

You will know exactly what you are paying for upfront. No surprise charges and no fine print that works against you.

Local Canadian Team

We are based in Canada and understand the local lending landscape, tax rules, and challenges small businesses face here.

Clients we’ve partnered with

  • Brentwood 1
  • Easylink 1
  • Flagship 1
  • SGS consultation
  • RR 1
  • Brentwood
  • Flagship
  • Easylink
  • SGS Constultation
  • RR
Merchant cash advance help 1

How We Structure Your Consolidation Loan:

Consolidation requires collateral. Your trucks, machinery, commercial property, and unpaid invoices hold value. We use these assets to secure a term loan that pays off your MCA balances, CRA arrears, and high interest debt in full.

Equipment refinancing, commercial mortgage refinancing, accounts receivable factoring, and second mortgages are all options depending on what you own. We assess your assets and structure the right deal to stop daily withdrawals and restore your cash flow.

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FAQ’s

Business debt consolidation combines multiple business debts into one loan with a single monthly payment. You use the new loan to pay off Merchant Cash Advances, CRA arrears, credit card balances, and other high cost obligations. This simplifies payments and improves cash flow.

A Merchant Cash Advance is a short term funding product where lenders withdraw payments daily from your business bank account. MCAs carry effective annual interest rates of 40 to 200 percent. Daily withdrawals drain cash flow and trap businesses in a cycle of borrowing to cover operating expenses.

Yes. MCA consolidation is one of the most common reasons business owners seek our help.

Yes. Unpaid HST, payroll remittances, corporate taxes, and source deductions can be consolidated into a business loan. Paying off CRA arrears stops interest, penalties, and collection action including account freezes, liens, and garnishments.

You can consolidate Merchant Cash Advances, daily payment loans, CRA tax arrears, business credit cards, lines of credit, equipment loans, supplier debt, and short term business loans. Secured debts like commercial mortgages are handled through refinancing.

Yes. Commercial property refinancing unlocks equity in your warehouse, retail space, office building, or industrial facility. You access cash at lower interest rates than MCA lenders charge and use the funds to pay off high cost business debt.

Accounts receivable financing advances cash against unpaid customer invoices. A factoring company purchases your receivables at a discount and provides immediate funds. This is useful for businesses with strong sales but slow paying customers who need cash to pay off debt.

Yes. Private business lenders and asset based lenders approve consolidation loans based on collateral value and business revenue rather than credit score alone. Bad credit, past bankruptcies, and CRA liens do not automatically disqualify you.

Yes. We work with private lenders who provide emergency funding to pay off CRA arrears and release frozen accounts. Once CRA receives payment, they remove the freeze and your business resumes normal operations.

A second mortgage is a loan secured against equity in real estate behind your first mortgage. Business owners use second mortgages to access fast capital for paying off CRA debt, MCA balances, and other urgent obligations when other options are unavailable.

BDC is a federal Crown corporation that provides financing to Canadian businesses. BDC offers working capital loans and term loans that can be used for debt consolidation. Approval depends on your business financials and growth potential.

Startups with limited operating history face challenges with traditional consolidation loans. Asset based options using equipment or accounts receivable are available. Private lenders consider startups with strong revenue and valuable collateral.

No. We are not a lender. We act as your advisor and facilitate the consolidation process. We assess your debt situation, calculate cash flow improvements, structure the right loan using your assets, and connect you with lenders who specialize in business debt consolidation across Canada.

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