Debt Refinancing – Debt Refinancing Diagram – Debt Consolidation Chart – Loan Consolidation Diagram – Credit Card Debt Consolidation Model – Credit Line Refinancing. Business or individual with multiple loans or credit cards transfers all debts to a single lender and then pays lower monthly payments to this lender. Debt consolidation works but has a negative effect on credit history. Source: Startup Loans https://ygraph.com/chart/2292