Debt Consolidation for small business owner without financials?

My partner and I have credit card debts and personal loan debts of around $40,000... We would like to consolidate these debts into one sinple pay option. We dont any estate property to borrow aganist and we also cant provide any tax returns... So we are looking for a low doc or no doc loan to help us... Can anyone please provide us with any information? Its not that we are struggling to pay off these debts but it would be nice to save a bit on interest...