Take control. Simplify repayments. Regain financial clarity.
If you are juggling multiple loans, credit cards or high-interest debt, Velox Capital can help you streamline everything into a single, manageable structure. Our debt consolidation solutions simplify your finances, reduce stress and improve cash flow.
Whether you are dealing with personal debt, business finance, or a mix of both, we help you secure a tailored debt consolidation loan that supports your long-term goals. By combining several liabilities into one structured facility, you reduce complexity and often reduce your total monthly repayments.
As your finance partner, we take the time to understand your full financial picture. We explore consolidation loans from our panel of over 40 lenders, including niche and non-bank providers, and structure a clear path forward with minimal disruption to your daily life.
Why Refinance your Loan with Velox Capital?
- Tailored Loan Structuring
Every consolidation plan is built around your actual situation. Whether you are consolidating credit card balances, personal loans or business facilities, we ensure your solution is structured for success.
- Fast and Efficient Process
We understand that business owners and homeowners are time-poor. That is why our process is streamlined, responsive and efficient. As your debt consolidation broker, we handle the process end-to-end, minimising disruption and saving you time.
- Straightforward Advice, Multiple Options
We explain your consolidation loans clearly, without jargon. You receive options suited to your credit profile, income and goals, so you can make informed decisions confidently. - Help for Distressed Credit
If you have missed repayments or been declined elsewhere, we can still help. We provide distressed credit solutions through specialist lenders who understand your circumstances and offer second-chance lending opportunities. - Long-Term Finance Partner
Debt consolidation is not just a quick fix. We take a long-term view and help you rebuild financial stability with transparent advice and ongoing support. We are here for your next steps, not just the current challenge.
Types of Debt Consolidation
Credit Cards and Personal Loans
We help consolidate multiple credit cards, buy-now-pay-later accounts and personal loans into a structured debt consolidation loan with clearer repayment terms and often lower interest.
Business Debts
If you are running a business and managing multiple finance facilities, we can consolidate those into one loan to simplify cash flow and improve focus on operations.
Tax and ATO Debts
For business owners managing ATO obligations, we can include these in your consolidation structure where eligible, avoiding costly payment plans and penalties.
Mortgage Arrears
We support clients facing repayment difficulties by reviewing their home loan and looking at options to restructure or consolidate existing facilities to avoid default.
Who We Help
Individuals overwhelmed by multiple credit or loan accounts
Homeowners behind on payments and seeking breathing room
Business owners needing to simplify loan structures
Borrowers declined by traditional lenders due to credit issues
Clients seeking a fresh financial start with expert support
What Sets Us Apart
Clients describe Velox Capital as professional, proactive and easy to deal with. They trust us to simplify complex processes and to find creative solutions that other debt consolidation brokers may overlook.
- We make complex financial decisions easier to manage
- We offer personalised, client-first service
- We provide fast turnaround times and ongoing support
- We solve problems creatively and strategically
- We present multi-option lending with clear comparisons
- We build long-term partnerships, not just single transactions
Our Debt Consolidation Process
When you enquire about refinancing, here is what to expect:
- Initial Consultation
We review your current debts, financial situation and repayment capacity. This allows us to determine whether a debt consolidation loan or distressed credit solution is appropriate. - Loan Comparison
We identify suitable consolidation loans across our lending panel. You receive clear options with a breakdown of potential savings and pros and cons. - Application Support
We manage all paperwork, lender engagement and documentation on your behalf. Our team ensures a smooth process with minimal stress to you. - Ongoing Support
Once your debt consolidation loan is approved and settled, we remain available for future guidance. We help you rebuild with clarity and confidence.
Ready to Simplify your Finances?
If multiple debts are impacting your financial health or your peace of mind, Velox Capital is here to help. Let us structure a smart, personalised debt consolidation solution that works for you today and builds confidence for tomorrow.
Speak with our team for an obligation-free consultation. Let Velox Capital guide you through your options and put you back in control.
Frequently Asked Questions - FAQs
A debt consolidation loan combines multiple debts into one structured loan. This often results in a lower total repayment, a fixed term and simplified budgeting.
Yes. Velox Capital offers distressed credit solutions through lenders who work with clients who have defaults, arrears or a lower credit score.
Initially, applying for credit may cause a small dip, but long term, consolidation can improve your credit by reducing missed payments and improving your repayment history.
Most debt consolidation loans are approved and settled within two to four weeks. We manage the timeline to ensure everything is completed efficiently.
Yes. Depending on your situation, we can include business loans, tax liabilities and other facilities in a consolidation loan. We assess this on a case-by-case basis.