What is an MCA consolidation (reverse consolidation)?

It’s a program that lowers your total daily or weekly debit by consolidating multiple merchant cash advances into a single structured repayment so you can free up cash flow and avoid default.

How fast can I get approved and start saving?

Most files receive terms the same day and begin reduced payments immediately after signing—often within 24 hours.

What documents do I need?

Typically your last 4 months of business bank statements and a quick application. Additional items may be requested case by case.

Will this reduce my daily payment?

Yes—the goal is to substantially lower your combined daily or weekly debit so you can stabilize operations and rebuild cash reserves.

Will an MCA consolidation hurt my credit or my existing relationships?

Consolidations are designed to ease strain, not damage credit. We coordinate with your existing funders where needed to restructure obligations and prevent defaults.

Products / Consolidation

MCA Consolidation

MCA Consolidation Business Loan

Consolidate High Balances: Up to 7 positions

Lower Payments: Cut daily payments by up to 50%

Instant Liquidity: Savings starts immediately

Dedicated Advisor: A specialist for every application

LETS START SAVING

Regain control of your cash flow with flexible terms, instant relief, and zero disruptions to your

business operations—Apply now and start saving today!

Funding Amounts

Up to 7 advances

Repayment Terms

5 - 12 months

Timeline To Funding

Less than 24 hours

What Is An MCA Consolidation Loan?

An MCA consolidation allows business owners to immediately reduce their total daily payments up to 50% by extending their short repayment terms. This gives them the flexibility to pay down the suffocating debt while continuing to grow their businesses, immediately improve liquidity and free up cash flow, and reduce the financial burden caused by having multiple high interest daily payments, all without any negative consequences.

Best Uses Of An MCA Consolidation For Your Business.

MCA consolidation can be a game-changer for businesses juggling multiple cash advance payments. Whether you’re looking to reduce your daily payment burden, free up working capital, or create a more manageable repayment schedule, this solution offers the flexibility you need to stay focused on growth. By consolidating existing obligations, businesses can ease cash flow constraints without sacrificing operational stability.

Reduce Debt Servicing

Reduce your payments by up to 50% without compromising your ability to obtain funding again in the future.

Keep Payments Current

When juggling multiple MCAs, the last thing you want to do is start missing payments and fall behind on your obligations.

Improve Cash Flow

Give yourself breathing room with weekly cash infusions and a revised payment that frees up your business’ cash flow.

Enhance Stability

Regain control over your finances to achieve financial stability with a predictable, more affordable payment.

Unsure if it's a fit? Check out the product use case evaluation for more guidance,

or schedule a complementary funding consultation to go over your specific needs.

The Unique Benefits Of
An MCA Consolidation.

MCA consolidation provides significant advantages for businesses looking to regain control of their cash flow. With reduced payment obligations and extended repayment terms, this financing option offers the breathing room needed to stabilize and grow. It’s a practical solution that not only simplifies cash management but also provides the opportunity to invest in future growth without the constant pressure of high daily payments.

Avoid Judgments or Bankruptcy

With multiple high daily or weekly payments, your business may be at risk if cash flow becomes too compromised. Before reaching that point, you can roll your payments into one lower payment and give your business the breathing room needed to recover.

Stay Current on Debt Obligations

If your payments start cutting into your profits, it may become difficult to cover the cost of day-to-day operations while continuing with your current payment schedule. Consolidating will help you avoid disaster while still maintaining a positive payment history.

Is your business qualified?

Free Up Daily Cash Flow

By combining your balances and extending your current repayment term, we're able to lower your total payment by up to 40% without any adverse effects on your business credit or your ability to obtain additional funding in the future.

Reduce Debt Servicing Cost

If payments become unmanageable, the worst thing to do is take additional funding to cover payments. Instead of adding another payment to the pile, consolidate to lower your total debt service cost and give life back to your business.

Find out how much consolidating your MCAs could save you.

START YOUR SAVINGS TODAY

How To Qualify For An MCA Consolidation Loan.

Qualifying for MCA consolidation is easier than you might think. This option is designed to help businesses that need a more sustainable way forward. As long as your business has a consistent revenue and a solid payment history, you can take advantage of this solution to improve your financial position and your cash flow management.

Minimum Revenue

Minimum of $30,000 average monthly revenue

Minimum Time in Business

Minimum time in business of at least 1 year or more

Minimum Credit Score

Minimum personal credit score of 550 or higher

Past Payment History

No active judgments or prior defaults on funding

Find out how much funding your business is eligible for.

Applying For An MCA Consolidation.

Applying for an MCA consolidation is a straightforward and hassle-free process. Once approved, your savings start immediately, improving liquidity and freeing up cash flow, allowing you to focus on running your business without worrying about multiple withdrawal schedules. With minimal paperwork and a quick turnaround, the feeling of relief is much closer than you think.

Step 1: Complete Your Application

Fill out our quick online form with basic business details, recent bank statements, and current MCA contracts.

Step 2: Get Approved For Funding

Our team will review your submission and provide tailored funding options to suit your needs.

Step 3: Receive Your Funds Fast

Your business will receive funds in as little as 24-hours to help you manage cash flow and grow.

Ready To Start Saving With An MCA Consolidation Loan?

Taking the next step toward financial stability is simple. Our streamlined application process ensures you can access the working capital you need without unnecessary delays. Apply today to consolidate your existing advances and enjoy the peace of mind that comes with predictable, lower payments and greater flexibility.

LETS SIMPLIFY YOUR FINANCES

Still have questions? Check out our FAQs below or speak with a funding specialist.

No. This is not debt settlement. Although many debt settlement companies like to call their product a consolidation, it is not. Debt settlement puts you into default and forces your lenders to action and file a judgment against you and your business. MCA consolidations give you a way to repay your debt obligations, on a modified schedule, which allows you to stay current on payments and in good standing with your lenders, and without putting any further strain on your business operations. In fact, consolidating can even improve your financial standing by ensuring your payments remain manageable and consistent

There are no negative consequences to consolidating your MCAs, as they will all be paid off at the agreed upon terms of the contract. Consolidating will not hinder your ability to obtain funding again in the future should the need arise, whereas debt settlement guarantees that you will never qualify for funding again.

MCA Consolidation
Frequently Asked Questions.

Got questions about MCA consolidation? You’re not alone. Understanding how this solution works, its benefits, and how it can help your business regain control of its cash flow is crucial. Explore our frequently asked questions to get the clarity you need and make an informed decision on if an MCA consolidation is the right fit for your business.

Not quite the right fit for your business?

Explore these other funding options.