Does Any of the following apply to your business?
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1. Is your business cash flow down because you are paying daily on two or more Cash Advance Contracts
2. Is your business NET revenue down?​
3. Is your business struggling to pay invoices on time?
4. Are you using credit cards to pay bills?
5. Is your business delinquent on any of its bills?
6. Are you receiving collections calls or notices from creditors?
7. Are you barely paying yourself to keep the business operating?
8. ​Is your business not able to qualify for a more traditional bank loan right now?  

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If you answered Yes to any of these questions, we could help!
Our reverse consolidation process provides business owners a way to consolidate outstanding MCA or Cash Advance positions and improve cash flow by up to 50%


An MCA consolidation refers to the process of combining multiple Merchant Cash Advances (MCAs) into a single payment or agreement. This is often done by businesses that have taken out multiple MCAs and are struggling to manage the separate payments.


How Does MCA Consolidation Work?

• A lender offers a new loan or financial product that pays off the existing MCAs.
• The business owner then makes one consolidated payment instead of multiple payments to different MCA providers.
• The new loan terms are often designed to offer lower payments, longer repayment periods, or better interest rates.

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Benefits of MCA Consolidation
✅ Simplified Payments: Managing one payment instead of several.
✅ Improved Cash Flow: Lowering daily or weekly payment amounts.
✅ Reduced Stress: Fewer creditors demanding payments.

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Minimum Requirements:
Ending Bank Balance Average over the last three months must be a minimum of $20,000
Borrower Minimum FICO is 620+
No More than two NSF's each month during the four preceding consecutive months

MCA - Merchant Cash Advance

Merchant cash advances are not loans but instead a business-to-business transaction that involves the selling of a company’s future credit card sales or a portion of the company’s bank deposits to a commercial lender in exchange for an upfront lump sum of funding at a discount.  Since this type of commercial financing is cash flow driven, a company may get approved even with poor personal and business credit.  
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How Does a Merchant Cash Advance Work?

• Advance Amount: The lender provides a cash advance based on your business’s expected sales.
• Repayment: Instead of fixed monthly payments like a traditional loan, repayment is typically made through a percentage of your daily credit card transactions or bank deposits.
• Factor Rate: MCAs use a factor rate (e.g., 1.2 or 1.5) to determine the total repayment amount. For example, if you receive a $10,000 advance with a 1.3 factor rate, you’ll repay $13,000 in total.
• Automatic Deductions: Payments are usually withdrawn automatically, either daily or weekly, making repayment streamlined but consistent.

​Pros of a Merchant Cash Advance
✅ Fast funding — often approved within 24-48 hours.
✅ Flexible repayment — payments adjust with your sales volume.
✅ No collateral required — it's unsecured financing.


​Best Uses for a Merchant Cash Advance

• Covering urgent expenses like payroll or inventory restocking.
• Investing in marketing campaigns to boost sales.
• Managing seasonal cash flow gaps.
• Funding short-term growth initiatives.

Is It Right for Your Business?
MCAs are best suited for businesses with strong daily sales, such as retail stores, restaurants, or e-commerce businesses. If your revenue fluctuates significantly or you need longer repayment terms, other financing options might be more cost-effective.


Minimum Requirements:
Ending Bank Balance Average over the last three months must be a minimum of $20,000
Borrower Minimum FICO is 620+
No More than three NSF's each month during the four preceding consecutive months