Financing
Debt Refinancing
Restructure existing obligations into a clearer path.
Overview
Debt refinancing consolidates or restructures existing business obligations into a single, more manageable arrangement. Depending on your profile and objectives, refinancing may help improve monthly cash flow, simplify repayment, or extend terms so capital works harder for the business.
Common uses
- Refinance high-cost debt
- Consolidate multiple obligations
- Improve monthly cash flow
- Extend repayment periods
How the process works
- 01
Tell us about your business
Complete a short application and provide basic information about your company and financing goals.
- 02
Review available options
Our team evaluates your request and identifies financing structures that may fit your business.
- 03
Move forward
Review your options with an advisor, complete underwriting, and proceed with the structure that works best for your business.
Cash flow relief calculator
See how consolidation could lower your payment.
Stacked short-term advances repay over months, which is what makes the daily debit so heavy. Consolidating the balance into a longer-term structure can materially reduce the payment and free up working cash.
Daily payments are converted to a monthly figure using approximately 21 business days. Adjust the inputs to reflect your current advances.
Current monthly
$50,400
New monthly
$9,338
Estimated monthly cash flow relief
$41,062
81% lower each month · about $492,743 freed over a year
Illustrative estimate for planning only. Extending the term may increase total interest paid over time. This is not an offer or commitment to lend, and outcomes depend on qualification and underwriting.
Explore other financing
Financing availability, amounts, rates, and terms are subject to qualification, underwriting, and lender approval. Kapstone Finance does not guarantee approval, rates, or funding.
Let’s talk about what’s next for your business.
Tell us what you’re looking to accomplish and our team can help you evaluate available financing options.