Personal Loan Debt Consolidation: A Path to Better Student Loan Refinance APRs
A personal loan for debt consolidation can shift credit utilization, credit mix, and debt-to-income ratio, potentially improving your student loan refinance APR
American Business Capital
From first-round working capital to eight-figure expansion facilities we match U.S. entrepreneurs, startups and established operators with the right lender, at the right rate, on the right terms.
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Does a Personal Loan to Pay Off Student Loans Affect Credit Utilization and Debt-to-Income Ratio?
A personal loan to pay off student loans doesn't change credit utilization, but it can shift your debt-to-income ratio. Here's what the numbers show.
How a Personal Loan Can Lower Your Student Loan APR Through Credit Score Improvement
A personal loan can improve your credit mix and lower utilization, which may boost your score enough to get a lower student loan refinance APR. Learn
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“We had the purchase order and nothing to build it with. American Capital structured the equipment line in nine days the second press was on the floor before the quarter closed.”
Marisol Vega
CEO, Vega Precision Toledo, OH
$2.4M
Facility size
9 days
Time to funding
+41%
Output gain
Hospitality
Working Capital Line
“Three locations, one brutal winter, and payroll due on a Friday. The line covered the gap and we opened the fourth site in June instead of never.”
Daniel Okonkwo
Founder, Harbor & Vine Charleston, SC
$750K
Revolving line
31 hrs
Time to funding
4
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Equipment, build-outs and seasonal working capital, priced around your covers.
$8.4M funded this quarter
Retail & Consumer
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$12.1M funded this quarter
Medical & Dental
Practice acquisition, equipment and expansion capital for licensed providers.
$21.6M funded this quarter
Construction & Trades
Progress-billing bridges, fleet finance and bonding support.
$17.9M funded this quarter
Transportation & Logistics
Freight factoring and fleet financing structured around your DSO.
$9.7M funded this quarter
Commercial Real Estate
Acquisition, refinance and value-add capital from $250k to $25M.
$64.2M funded this quarter
Professional Services
Revenue-based lines for firms that bill time, not inventory.
$6.3M funded this quarter
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$14.8M funded this quarter
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The long read
Personal Loan Debt Consolidation: A Path to Better Student Loan Refinance APRs
A personal loan for debt consolidation can shift credit utilization, credit mix, and debt-to-income ratio, potentially improving your student loan refinance APR
Does a Personal Loan to Pay Off Student Loans Affect Credit Utilization and Debt-to-Income Ratio?
A personal loan to pay off student loans doesn't change credit utilization, but it can shift your debt-to-income ratio. Here's what the numbers show.
How a Personal Loan Can Lower Your Student Loan APR Through Credit Score Improvement
A personal loan can improve your credit mix and lower utilization, which may boost your score enough to get a lower student loan refinance APR. Learn
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