Depending on the circumstances, we will pay off 1 to 2 loans. We typically want you to net 40 to 50% of the total loan amount in most cases. Sunwise Capital can consolidate all your loans if it makes sense. We study your cash flow by examining the daily average balances in the bank account. This analysis helps us figure out the affordability of your new payments and whether we could approve you for a longer-term loan. This strategy enables us to lower your payments. We will decline your application if you have a history of defaulting on prior loans.