Hi. I need some information from anyone who has been down the road of finance before. I have been in business since April 1, 2006. I started my business with a credit line from the bank. And several credit cards. I make all my payments on time, however some credit cards have increased my rate based on credit score. Which is a new thing to me. I am looking to consolidate all of my credit card debt to one monthly payment. I am not looking to get a new credit card machine and have pmt taken from sales.

I am also interested in money for working capital. So...any input would be appreciated.

Knot Finished

Hi...just wondering if you've received any info on your post. Seems Iam in the same built boat:o thought you might be willing to share what you've found out...thanks!

I think the best thing to do is to go with a credit union. Credit unions don't raise your rates just because your fico score went down. This is something that only the banks do. Try to find a credit union in your area that you are eligible for and let them know that you have perfect payment history just high debt load and of course they would run a credit check and do a manual review and more than likely you will get a loan at a good rate. If/when I start a business, I only plan to deal with credit unions when it comes to any financial needs.