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  • About Us
    • Testimonials
    • Our Partners
  • Our Solutions
    • Solution For Business
      • Working Capital & Cash Flow Management
      • Business Expansion & Growth Initiative
      • Asset Acquisition: Equipment & Technology Investments
      • Emergency & Contingency Funding
      • Marketing, Advertising & Customer Acquisition
      • Seasonal Cash Flow & Inventory Management
      • Debt Consolidation & Financial Restructuring
      • Startup Funding & Building Credit History
      • Business Restructuring & Strategic Partnerships
      • Professional Development & Workforce Enhancement
      • Facility Renovation & Upgrades
      • Supplier Negotiations & Market Expansion
    • Solution For Professionals
      • Practice Working Capital & Cash Flow Management
      • Practice Expansion & Office Upgrades
      • Technology & Equipment Investment
      • Professional Development & Training
      • Marketing & Client Acquisition
      • Debt Consolidation & Financial Restructuring
      • Emergency Funds & Contingency Planning
      • Strategic Investments & Partnerships
      • Real Estate & Practice Acquisition
      • Risk Management & Insurance Investments
    • Solution For Home
      • House Purchase Loan
      • House Construction Loan
      • Home Renovation & Remodeling Loan
      • Home Extension & Expansion Loan
      • Interior Design & Furnishing Loan
      • Debt Consolidation for Home Improvement
      • Emergency Home Repair Loan
      • Additional Home-Related Financial Needs
  • Our Products
    • Collateral Free Loans
      • Unsecured Business Loans
      • Unsecured Overdraft
      • CGTMSE
    • Purchase / Construction Loans
      • Home Purchase Loans
      • Commercial Office purchase loans
      • Land purchase Loans
      • Factory/ Industry/ Warehouse Purchase Loans
      • Construction Loans for construction of House, Factory, Office
    • Collateral Backed MSME Loans
      • Loan Against Property
      • Dropline Overdraft
      • Working Capital facilities such as CC, OD, BG, LC
      • Lease Rental Discounting
      • Construction Financing
      • Project Financing
  • Partner with us
    • Industry Associations
    • Industrial Area Associations
    • Chartered Accountants
    • Property Consultants
    • Wealth Managers
    • Independent Loan Consultants
  • Careers
  • Resources
    • Blogs
    • CA Knowledge Series
    • FAQ
    • Calculator
  • Customer Service

Debt Consolidation & Financial Restructuring

Home » Our Solutions » Solution For Business » Debt Consolidation & Financial Restructuring

Overview

Managing multiple high-interest debts can create significant financial strain on businesses, affecting cash flow, profitability, and overall growth potential. Juggling multiple repayment schedules, varying interest rates, and complex financial commitments can lead to missed payments, high penalty charges, and damaged creditworthiness. Without a structured approach, this can impede business expansion and long-term sustainability.
At BiggPocket, we understand the importance of maintaining financial stability. Our Debt Consolidation & Financial Restructuring solutions are designed to streamline multiple debts into a single, manageable loan, reducing overall interest costs and simplifying financial commitments. By consolidating debt, businesses can improve cash flow, reduce financial stress, and focus on growth initiatives.

Purpose

The primary purpose of BiggPocket’s Debt Consolidation & Financial Restructuring solutions is to provide businesses with financial clarity and control by simplifying debt repayment. Our financing solutions help businesses:

Integrated-solution

Reduce Overall Interest Costs

Combine high-interest debts into a single loan with a lower interest rate, minimizing financing expenses.

access-to-lenders

Streamline Repayments

Merge multiple repayment schedules into one manageable payment, reducing the risk of missed or late payments.

Expert-Team

Improve Cash Flow

Free up working capital by lowering monthly repayment burdens, ensuring funds are available for day-to-day operations.

Better-Returns

Enhance Creditworthiness

Timely repayments of a consolidated loan help repair and strengthen credit scores.

Better-Returns

Facilitate Business Growth

By stabilizing finances, businesses can redirect resources toward expansion and development.

Our goal is to empower businesses to overcome financial challenges, laying a solid foundation for sustainable growth.

BiggPocket Solution

At BiggPocket, we offer tailored financial solutions that help businesses consolidate debt and restructure finances for long-term stability. Our debt consolidation loans allow businesses to combine multiple high-interest loans, simplifying financial management while lowering overall costs.

Biggpocket-Solutions

Single Loan for Multiple Debts

Combine credit card balances, equipment loans, short-term debts, and vendor payments into one consolidated loan.

Lower Interest Rates

Benefit from competitive interest rates, reducing total repayment costs.

Flexible Repayment Options

Customizable repayment schedules that align with business cash flow, promoting financial stability.

Quick Loan Disbursal

Fast processing ensures businesses can refinance debts without disruption.

No Collateral Requirement

Our unsecured consolidation loans allow businesses to retain ownership of valuable assets.

Expert Financial Guidance

Our advisors provide insights into financial restructuring, helping businesses optimize debt management.

With BiggPocket, businesses can simplify debt repayments and regain financial freedom.

Eligibility

Our Debt Consolidation & Financial Restructuring solutions are designed to support businesses seeking to improve financial stability. Eligibility is based on the following criteria:

Business Type

Open to MSMEs, startups, and established enterprises across various industries.

Operational Tenure

Minimum of 1–3 years of consistent business operations.

Financial Health

Positive turnover with demonstrated repayment capacity.

Credit History

A strong credit score improves loan approval chances and ensures better terms.

Our transparent eligibility criteria ensure that businesses with genuine restructuring needs receive timely financial support.

Eligibilty
Loan-Limits

Loan Limits

Our loan limits are structured to provide adequate financial support for consolidating multiple debts while maintaining affordability.

Loan Amounts

Determined based on the total outstanding debt, the business’s financial profile, and repayment capacity.

Repayment Tenure

Flexible repayment terms ranging from 12 to 60 months, providing businesses with manageable repayment options.

Interest Rates

Competitive interest rates designed to reduce overall borrowing costs.

At BiggPocket, we ensure that our loan limits allow businesses to effectively consolidate debt without overextending resources.

EMI Calculator

Proper financial planning is crucial when restructuring debt. Our EMI Calculator helps businesses manage repayment obligations by:

Estimate-Monthly-Repayments

Estimating Monthly Payments

Get an accurate breakdown of EMIs based on the loan amount, interest rate, and tenure.

Optimize-Loan-Terms

Optimizing Repayment Terms

Adjust loan tenure to achieve an ideal balance between affordability and quick repayment.

Make-Informed-Decisions

Making Informed Decisions

Gain visibility into repayment obligations upfront, supporting financial stability.

Our BiggPocket EMI Calculator enables businesses to manage debt repayments confidently, promoting financial wellness.

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  • About this calculator
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Calculator Information

The Equipment Finance Calculator calculates the type of repayment required, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate. The Product selected determines the default interest rate for personal loan product. The Equipment Finance Calculator also calculates the time saved to pay off the loan and the amount of interest saved based on an additional input from the customer. This is if repayments are increased by the entered amount of extra contribution per repayment period. This feature is only enabled for the products that support an extra repayment. The calculations are done at the repayment frequency entered, in respect of the original loan parameters entered, namely amount, annual interest rate and term in years.

Calculator Assumptions

Length of Month

All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days interest dependent on the number of days in the particular month.

Number of Weeks or Fortnights in a Year

One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.

Rounding of Amount of Each Repayment

In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts. Note that the final repayment after the increase in repayment amount.

Rounding of Time Saved

The time saved is presented as a number of years and months, fortnights or weeks, based on the repayment frequency selected. It assumes the potential partial last repayment when calculating the savings.

Amount of Interest Saved

This amount can only be approximated from the amount of time saved and based on the original loan details.

Calculator Disclaimer

The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.

Feel free to use our Equipment Finance Calculator

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**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.

Period Payment Interest Balance
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CIBIL-Score

CIBIL Score for Solutions for Business

A strong CIBIL score plays a critical role in determining eligibility and loan terms. At BiggPocket, we help businesses understand how their credit score impacts financing and how to improve it for better financial outcomes.

Why CIBIL Matters

A high CIBIL score reflects responsible borrowing behavior, increasing loan approval chances.

How to Improve Your Score

Timely repayments, maintaining low credit utilization, and avoiding multiple credit inquiries.

Impact on Loan Terms

A better CIBIL score ensures access to lower interest rates and flexible repayment options.

We help businesses enhance their CIBIL scores, unlocking better financial opportunities.

Apply Now

Managing multiple debts doesn’t have to hold your business back. With BiggPocket’s Debt Consolidation & Financial Restructuring solutions, businesses can simplify repayments, reduce interest costs, and regain financial stability — paving the way for sustainable growth.

Apply-Now

Simple Application Process

Apply online through our user-friendly platform or visit our branch.

Documentation

Minimal Documentation

Our tailor-made process ensures a smooth and quick application with minimal paperwork.

Quick-Approvals

Quick Approvals

Fast processing ensures you get timely access to funds for consolidating debts.

Expert-Advice

Expert Guidance

Our financial advisors provide continuous support to help optimize your financial restructuring plan.

Simplify your debt with BiggPocket — Where Financial Stability Meets Growth.

Apply now

Business Loans FAQs

We understand that consolidating debt and restructuring finances can raise essential questions. Our FAQs section addresses common concerns, helping businesses make informed decisions:

What types of debts can I consolidate with BiggPocket?
Business loans, credit card dues, unsecured debts.
Is collateral required for debt consolidation loans?
Not always — both secured and unsecured options available.
How quickly can I access funds after approval?
Within 48–72 hours in most cases.
Can I adjust my repayment schedule if my business cash flow changes?
Yes, flexible repayment options are available.
What documents are required to apply?
KYC, bank statements, loan statements, income proof.

Our FAQs section ensures businesses have the necessary clarity to proceed with confidence.

Grow Without Limits with Tailored Credit Solutions!
Click here to Apply Now!
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