MCA Consolidation Business Loan

At Capitalize Funding, we specialize in all aspects of business funding, from business loans, to working capital, to lines of credit.Our services are designed to support your business's growth and financial stability. For a comprehensive list of available options, please see our Funding Products page.

Our application process is streamlined and user-friendly. Get started by filling out a quick, one-page application online, found on our website. Following this, a dedicated funding advisor will reach out to you to discuss your needs and the available options. Once you've selected your offer, the funds are distributed directly to your bank account. The whole process can be completed within hours. For a more step-by-step walkthrough on the funding process, please see our How It Works page.

We pride ourselves on our bespoke, personalized approach and our unwavering commitment to understanding the unique needs of each and every one of our clients. Our innovative funding solutions, combined with our team's expertise and experience, ensure that we stand out as a trustworthy partner in your business's growth. Read more about Capitalize Funding on our About Us page.

Working capital loans help small businesses like yours meet short-term operational expenses, such as payroll, stocking inventory, and marketing. They are an ideal funding solution to help stabilize cash flow and meet immediate business needs. Working capital loans are designed for business owners who need flexible, short-term funding without the hassle of going to a traditional bank.

Choosing the right type of funding is entirely dependent on your business needs. A working capital loan is ideal for short-term expenses such as payroll, inventory purchases, and covering seasonal fluctuations. If you’re considering using the funds for a long-term investment, like expanding your business or purchasing major assets, ask yourself this: “Will this expense still benefit my business in two, five, or ten years?” If the answer is no, then your business will be better suited for a short-term funding option, like a working capital loan.

Absolutely. While traditional lenders heavily weigh credit scores, our position is that your credit score has absolutely no bearing on your ability to repay a loan. Our working capital loans focus on your business’ cash flow and overall financial health. If your business generates consistent revenue and has a solid track record, you will qualify. Our goal is to provide funding solutions that are accessible and realistic, even for businesses with less-than-perfect credit. Plus, working capital loans can help you establish a credit history by demonstrating responsible repayment, making future funding even easier to obtain.

Short-term funding offers flexibility and quick access to cash without locking you into long repayment terms that could impact your business’s ability to secure future funding. Long-term loans might seem attractive, but they can strain your credit and increase your debt-to-income ratio, limiting future borrowing power. On the other hand, short-term loans are designed to address immediate needs and provide a financial safety net, ensuring you have the agility to adapt to unexpected challenges without being overleveraged.

Short-term funding often comes with higher payments than long-term loans, which can seem intimidating at first. However, what many business owners don’t realize is that working capital loans are designed to be the most affordable financing option available. Unlike traditional fixed-payment loans, working capital loans are revenue-based, meaning payments adjust according to your business’s cash flow. Each month, your repayment is calculated as a fixed Specified Percentage (usually around 15%) of your gross monthly revenue, ensuring that you always retain 85% of your income to cover operating costs. If your revenue decreases, you can request a reconciliation to adjust your payment accordingly—something you’re legally entitled to do every 30 days. Since these loans are unsecured and often don’t require a personal guarantee, funders have every incentive to ensure your business remains successful and profitable. They win when you win—making working capital loans an incredibly flexible and sustainable solution for managing short-term expenses.

A business line of credit is a flexible financing solution that allows businesses to borrow funds up to a predetermined limit and repay only what they use. Unlike a traditional term loan, you can draw funds as needed and only pay interest on the amount borrowed. This makes it an excellent option for managing cash flow, handling unexpected expenses, or seizing growth opportunities without committing to a lump sum loan.

A business line of credit provides revolving access to funds, meaning you can withdraw and repay multiple times within your credit limit. A term loan, on the other hand, provides a fixed amount upfront with set repayment terms. A line of credit offers more flexibility for ongoing or unpredictable expenses, while a term loan is better suited for one-time large purchases or investments.

A business line of credit can be used for virtually any short-term business expense, including covering payroll, purchasing inventory, investing in marketing efforts, or bridging cash flow gaps during slow seasons. This product is especially great for businesses that have ongoing, reoccurring expenses. This flexibility allows you to address both planned and unexpected costs efficiently.

Having a revolving line of credit offers peace of mind and financial flexibility. You can access funds whenever needed without reapplying, and you only pay interest on the amount you use. This provides businesses with a safety net to handle fluctuating expenses and growth opportunities without straining cash reserves.

If your business experiences fluctuations in cash flow, has seasonal demands, or requires ongoing access to funds for operational expenses, a line of credit may be the perfect fit. It’s ideal for businesses that prefer flexibility over fixed repayment structures and want to avoid taking on unnecessary debt.

Cash flow funding is a short-term financing option designed to help businesses manage temporary cash shortages. It provides immediate working capital based on your revenue, allowing you to cover expenses such as payroll, inventory, or other operational costs. Unlike traditional loans, cash flow funding offers flexible repayment options and early payoff incentives to help businesses save on interest.

Traditional loans often require extensive documentation, strong credit history, and long repayment terms. Cash flow funding, on the other hand, focuses on your business’s revenue performance and provides fast access to funds with minimal paperwork. Plus, it offers flexible repayment options based on your cash flow, making it an ideal solution for short-term needs.

Early payoff discounts allow you to reduce your total repayment cost by settling your balance ahead of schedule. This feature makes cash flow funding one of the most cost-effective options for businesses that expect a quick revenue turnaround and want to save on financing costs.

With a streamlined application process and fast approval times, cash flow funding can provide businesses with access to capital in as little as 24 hours. The exact timing depends on how quickly required documents are submitted and reviewed.

If your business experiences fluctuations in cash flow, such as seasonal slowdowns or delayed receivables, cash flow funding can help bridge those gaps without long-term financial commitments. It’s best suited for businesses looking to cover short-term operational needs without taking on unnecessary debt.

MCA consolidation is a strategic financing solution designed to manage multiple daily or weekly merchant cash advance payments. Instead of juggling several withdrawals, the 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

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! MCA consolidations are specifically designed for businesses with multiple advances. We are able to consolidate up to 7 separate advances and save you money. Approval is based on your revenue, and as long as you are not currently in default or missing payments, you can take advantage of the relief that comes along with MCA consolidations.

MCA consolidations are still revenue-based and designed to be flexible, just like an MCA. If your revenue fluctuates, you are able to request what's called a reconciliation, which will adjust your payment schedule in accordance with your current revenue, ensuring affordability and preventing financial strain.

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.

You can receive funding in only a matter of hours. We understand time is of the essence when it comes to funding your business. Our fast business funding process guarantees not to waste any of yours. From the time your application and documents are submitted, you can receive an offer as soon as 1-hour from then, and once the terms are accepted, funding typically happens 1-2 hours after. Depending on the time of day, the whole process can be completed in as little as 3 hours.

Unlike traditional loans, merchant cash advances provide quicker approvals and repayment based on entirely on your daily sales, rather than keeping your business chained to a fixed monthly payment, making them ideal for businesses with fluctuating revenue, as they provide a safeguard from anything unexpected that life throws your way.

Absolutely! Unlike traditional loans, there are no restrictions on how you choose to use the proceeds from an MCA. Whether you need to cover payroll, purchase inventory, or handle unexpected costs, a merchant cash advance offers flexible working capital solutions tailored to your business.

Yes! MCA funding is primarily based on your revenue, not your credit score. As long as your business processes regular transactions with some degree of consistency, you can qualify for funding with very minimal requirements.

Yes, MCAs are tailor-made for your business! The are an excellent solution for any businesses facing seasonal slowdowns or unexpected expenses, offering quick relief without the hassle of traditional loans, and financial protection from all things unknown.

Equipment financing allows businesses to purchase new or used equipment with as little as $0 down, and affordable monthly payments instead of paying the full cost upfront. Once approved, the funds are paid directly to the equipment vendor in full and the equipment becomes yours. It is, however, secured by the loan until the balance is paid in its entirety, at which point, the ownership is reverted to you.

Virtually any business equipment can be financed, including heavy machinery, office equipment, technology upgrades, vehicles, and specialized tools for your industry.

Approvals can happen in as little as 24-hours, with funding available and funding happening within 48-hours from the time of accepting the offer terms. Be sure to submit the purchase order or invoice from the vendor along with your application and documents.

In many cases, financing is available for up to 100% of the equipment value, with repayment terms typically range from 12 to 84 months, depending on the equipment type, financing amount, whether the equipment is new or used, and business qualifications.

Financing allows you to own the equipment at the end of the term. Once your equipment financing balance is paid in its entirety, the equipment is no long secured by the loan and full ownership is reverted to you. In contrast, leasing provides temporary access with potential lower monthly costs, but no ownership, even after the lease is paid.