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What can you do to bring clients to your doorstep? The first way they make there money is the closing costs. Now you are probably asking yourself what the catch is, how do these lenders make there money? The loans can also be paid off at any point of the loan term. Instead of repaying several lenders, keeping track of repayment dates and repayment amounts, all you now have to do is repay a single loanthe Bad Credit Debt Consolidation Loan. If you are suffering from a small business loan with bad credit poor credit history, you can avoid going in for a credit check.