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Simplify Your Debts. Improve Your Cash Flow.

One structured repayment. Better control. A clear path forward.

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Introduction – Debt Consolidation & Cash Flow Improvement

Debt doesn’t usually become a problem overnight — it builds quietly. Multiple repayments, different interest rates, credit cards, short-term finance and business loans can slowly squeeze your cash flow until it feels like you’re working just to stay afloat.

Debt consolidation is about stepping back, restructuring intelligently, and creating a repayment plan that works with your income — not against it. At Grange Finance, we help individuals and business owners consolidate debts into a single, structured loan designed to reduce pressure, improve cash flow and restore financial clarity.

This isn’t about hiding debt — it’s about managing it properly.

What Is Debt Consolidation

Debt consolidation is the process of combining multiple debts into one loan, usually with a lower interest rate, longer repayment term, or more manageable structure.

Instead of juggling several repayments — each with its own due date, interest rate and lender — you make one clear repayment. The goal is to reduce monthly outgoings, simplify management, and create breathing room so you can regain control of your finances.

In real-world terms, consolidation often turns chaos into structure. It doesn’t erase debt — but when done correctly, it makes debt far more manageable and predictable.

Types of Debts We Can Consolidate

We help consolidate a wide range of personal and business debts, including:

  • Credit Cards – High-interest balances that quickly drain cash flow if left unmanaged.
  • Personal Loans – Often taken at higher rates and shorter terms that strain monthly budgets.
  • Business Loans – Multiple facilities can be combined into a single, structured loan.
  • Overdrafts & Lines of Credit – Consolidation can reduce interest leakage and repayment uncertainty.
  • Tax Debts (ATO) – In some cases, structured lending can support repayment strategies.
  • Equipment & Vehicle Finance – Where appropriate, these can be rolled into a broader consolidation strategy.

Each situation is different — consolidation only works when the structure suits your income and goals.

Consolidation Strategies & Restructuring Options

We don’t take a one-size-fits-all approach. Common consolidation strategies include:

  • Secured consolidation loans using property or assets
  • Refinancing existing loans into a single facility
  • Extending loan terms to reduce monthly pressure
  • Interest rate optimisation across consolidated debts
  • Restructuring repayments to align with income cycles
  • Separating good debt from bad debt for clarity and planning

Our role is to identify which structure improves your position — not just shifts debt around.

Why Choose Us for Debt Consolidation

✔ Real-World Finance Experience

We understand how debt builds — and how to unwind it properly.

✔ Access to 50+ Lenders

From banks to specialist lenders, we find solutions others can’t.

✔ Strategy-First Approach

We look at your full financial picture, not just loan balances.

✔ Support Beyond Approval

We help you stay on track after consolidation, not just get approved.

Benefits of Consolidating Your Debts

Debt consolidation is not just about convenience – it’s about financial relief and long-term stability.

Key Benefits Explained

By consolidating debts, many clients experience:

  • Lower total interest costs compared to multiple high-interest facilities
  • Improved monthly cash flow, freeing up working capital
  • One clear repayment, making budgeting easier
  • Reduced financial stress and missed payment risk

Practical Advantages

  • Fewer lenders to deal with
  • Clear repayment timelines
  • Better visibility over your financial position
  • Opportunity to reset and plan rather than react month-to-month

When structured properly, consolidation gives you control back — and that’s where real progress starts.

FAQs

  • 1. Will debt consolidation affect my credit score?

    It can initially, but successful consolidation often improves credit over time with consistent repayments.

  • 2. Is debt consolidation the same as refinancing?

    Refinancing is often part of consolidation, but consolidation focuses on combining multiple debts.

  • 3. Can business and personal debts be consolidated together?

    Sometimes — but it must be structured carefully to avoid tax or legal issues.

  • 4. Do I need property to consolidate my debts?

    Not always. Unsecured consolidation options may be available depending on your situation.

  • 5. Is debt consolidation a good idea for cash flow problems?

    Yes — when structured correctly, it can significantly ease monthly pressure.