Merchant Cash Advance Consolidation 

MCA Consolidation is a strategic financing solution designed to manage multiple daily or weekly Merchant Cash Advance payments. Instead of juggling several withdrawals, the MCA Consolidation provider deposits funds into your account to cover your existing MCA payments. In exchange, you make a single, smaller payment—freeing up cash flow and easing financial stress.

In addition to a completed funding application and most recent 4 months of bank statements, a business debt schedule (https://www.capitalizefunding.com/business-debt-sheet)and accurate accounting of all current funding is required. This should include the name of each funder, along with the corresponding payment amount and remaining balance. If you are unsure of your current balances, please include copies of the original funding contracts for each position in your submission, and we will calculate the balances for you.

By reducing the frequency and amount of daily withdrawals, an MCA Consolidation provides instant relief and allows you to allocate funds more effectively. Instead of multiple payments draining your account daily, you’ll have a predictable weekly payment schedule, creating better cash flow management.

Yes. Recently funded advances can often be included once the first payment has been successfully made. Eligibility depends on overall leverage and cash-flow capacity; the Consolidation must create meaningful relief rather than simply reshuffling payment pressure. As a general guideline, MCA Consolidations typically need to produce at least a 20% reduction in total payments in order to be considered worthwhile and sustainable.

The payment reduction is based on several different factors, such as the total outstanding MCA balances, the combined payment amount, the length of the remaining repayment term, and the debt service coverage ratio (DSCR). These factors determine how much payment relief can realistically be achieved while still maintaining a workable repayment structure. Visit our MCA Consolidation Calculator (https://www.capitalizefunding.com/resources/funding-calculators/consolidation-calculator)to determine how much your business could be saving.

MCA Consolidations are flexible and can accommodate revenue fluctuations. If your revenue significantly decreases, once every 30 days, you can request a reconciliation in order to adjust your payment amount to reflect the decreased monthly revenue. This ensures your payments always remain affordable and prevents any financial strain from being placed on your business.

A true MCA Consolidation is not a default, however, some debt settlement companies incorrectly market their services as "MCA Consolidation", although it is fundamentally different. With debt settlement, you are intentionally withholding payment from your funders in order to force a negotiation for the remaining balance that is owed. However, this strategy only works in theory. In practice, this puts your business into default and will result in legal action being taken against you. A legitimate MCA Consolidation 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. In order to protect yourself, your business, and your future funding eligibility, read the contract thoroughly before moving forward with any company promising to consolidate your MCAs. Key terms to watch out for: • Redirection of payments • Third-party escrow accounts • Negotiating payback amount • Legal representation If you have questions regarding an MCA Consolidation offer that you've received, we are happy to review the contract in order to verify its legitimacy.