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What’s more, 30% of all jobs in the United States economy are currently held by the self-employed.

Consolidating at the right time can get you a great loan with lower interest, a better repayment schedule, a longer term, and possibly allow you to borrow more.

But finding a good company with reasonable loan terms can be problematic.

We've compiled a list of the top 3 loan firms for businesses looking to consolidate.

Consolidating at the wrong time can be a waste of energy, hurt your credit, or get you a bad loan that can hurt your ability to borrow in the future.

Through refinancing, a borrower takes out a new loan at a lower interest rate in order to pay off an existing loan at a higher interest rate.

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