MCA consolidation
Stacked payments? Combine them into one.
If you're paying two, three, or four advances at once, we work to combine them into a single position on a longer term, aiming to lower your daily or weekly payment. The point isn't more money, it's a payment your cash flow can handle.
- Soft check only
- No application fee
- Same-business-day response
Illustration only. Not an offer.
Payment calculator
Add up what you're paying today.
See your total daily and weekly payments across every position, and an illustrative example of what one combined payment could look like.
Your current positions
Enter each daily or weekly payment you make today. Example values are filled in; replace them with yours.
Daily payments are usually debited on business days. This converts daily and weekly amounts.
An assumption you choose for illustration. It is not a typical or expected result.
Your numbers Example only
Example only, not an offer. This applies the reduction you chose to the payments you entered. It doesn't account for balances, term, or total cost, and a longer term can increase the total you pay. Actual terms depend on underwriting by the funder and are not guaranteed.
Get real numbersHow it works
How consolidation works with us.
List what you're paying
Each position, its payment, its balance, and who holds it. Four months of bank statements tell the rest.
We review it with funders
We look at whether combining helps and take the file to funders who consolidate stacked positions.
Compare side by side
Current payment against the proposed payment, term, and total cost, all in writing.
Decide, or don't
If it doesn't help, we'll say so. No pressure to sign, and no fee to look.
Who it's for
Is consolidation worth a look?
Usually worth a look
- Already carrying two or more daily or weekly payments
- Steady deposits into a business account
- Six months or more in business
- Want a payment your cash flow can handle
Usually not a fit
- Currently in default on an advance
- Frequent negative balance days
- Looking for more money rather than a lower payment
- Looking for a term of three years or longer
Typical terms
What to weigh before you combine.
A lower payment is the goal. The full picture matters more.
- Goal
- One position, aiming to lower your daily or weekly payment
- Term
- Longer than what you have now; up to 24 months, depending on the funder
- Payments
- One daily or weekly payment instead of several
- Total cost
- Can be higher over a longer term; shown in writing before you sign
- Depends on
- Balances, payments, revenue, and who holds the positions
- Speed
- Decisions usually same day once we have statements
General information only, not an offer. Whether consolidation lowers your payment, and on what terms, depends on underwriting and is not guaranteed.
FAQ
Consolidation questions.
I already have three advances. Is that a dead end?
Not necessarily. Stacked positions are the most common reason people call us. Whether consolidation helps depends on the balances, the payments, and who holds them.
Will consolidation lower my payment?
That's the aim, but it isn't guaranteed. A combined position on a longer term can lower what you pay each day or week. Whether it does depends on your balances, your revenue, and what a funder offers after underwriting.
Does a longer term cost more overall?
It can. Spreading payments over a longer term can mean paying for longer, and the total cost may be higher. That's why you'll see the payment, the term, and the total cost in writing, side by side with what you pay now.
Is the calculator an offer?
No. It's an example only. It adds up what you enter and applies the reduction you choose so you can see the math. Actual terms depend on underwriting.
Will this hit my credit?
No. Seeing your options is a soft check. There's no hard pull and no application fee.
Apply
Let's see if combining helps.
Tell us what you're carrying. Nothing happens to your credit, and you get a call or an email back the same business day.
Start with your numbers
Takes a minute. Nothing happens to your credit.