Debt consolidation for personal and for business can make or break you financially. Many home based businesses rely on credit card debt to finance their start - ups. Often times huge revolving debts can be created with excessively high interest rates. If let go to long the interest alone on this debt can bury any small business. Consolidating your business or personal debt will make it much more manageable and much cheaper in the long run and allow you to gain some momentum until you are debt free and prospering in your home business.