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MCA Consolidation Business Loan.

Large Funding Amounts: Approvals up to $2,000,000

Pre-Pay Discounts: Huge savings when you pre-pay

Fast Funding Time: Same-day funding and availability

Dedicated Advisor: A specialist for every application.


GET FUNDED

Need funding fast? Cash Advances provide flexible, same-day business lending solutions to help cover daily expenses, manage cash flow, and seize growth opportunities without the wait.

Consolidate Your MCAs

Free up cash flow and give your business room to breathe.

How much is your combined MCA balance?*
$250,000
$20,000 $1,000,000
How many positions do you have?*
Select
1
2
3
4
5
More than 5
Are the payments current?*
Select
Yes
No
Company Name*
Consolidate Your MCAs

Free up cash flow and give your business room to breathe.

First Name*
Last Name*
Phone Number*
Email Address*
Congratulations!

Your consolidation request has been submitted.

You will be assigned to a funding advisor who will be reaching out to you shortly to go over the next steps. To get a head start, you can

Start Your Funding Application

If you have any questions or if you need assistance, you can email us at
underwriting@capitalizefunding.com or schedule a phone call here.

Funding Amounts

Up to 7 advances

Repayment Terms

5 - 18 months

Timeline To Funding

Less than 24-hours

What Is An MCA Consolidation?

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 Ways To Use An MCA Consolidation For Business.

MCA Consolidation can be a game-changer for businesses juggling multiple cash advance payments. 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 fall behind on your payments.

Improve Cash Flow

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

Enhance Stability

Regain control of your business' financial stability with a predictable, more affordable payment.




Unsure if it's a fit? Check out the funding product use case evaluation for guidance,
or schedule a complimentary funding consultation to discuss 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 an opportunity to invest in future growth without the 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, roll your payments into one lower payment and give your business the breathing room needed to recover.


Is your business qualified?

Stay Current on Debt Obligations

If your payments start cutting into your profits, it may become difficult to maintain operations while continuing with your current payment schedule. Consolidating will help you avoid disaster while preserving a positive payment history.



Increase 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.


Calculate your MCA Consolidation savings.



GET FUNDING IN A FLASH

How To Qualify For MCA Consolidation Funding.

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 you have a consistent revenue and a solid payment history, you can improve your financial position and your cash flow management.

Generally, qualified applicants met the following criteria:

Minimum Revenue

At least $30,000 average monthly revenue over the last 4 months

Minimum Time In Business

Minimum time in business of at least 12 months or longer

Payment History

No active judgments or unresolved defaults on previous funding

Minimum Credit Score

Minimum personal credit score of at least 550 or higher

Find out how much your business is eligible for.

The Application Process For MCA Consolidation.

Applying for an MCA Consolidation is a simple, straightforward process. With minimal paperwork and a quick funding timeline, you could free up your cash flow and have the breathing room your need in just a few hours.


START SAVING

Step 1: Complete Your Application

Fill out our funding application with basic business details and most recent business bank statements.

Step 2: Get Approved For Funding

Our team will review your submission and provide tailored funding offers that suit your unique needs.

Step 3: Receive Your Funding 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
MCA Consolidation Funding?

Taking the next step toward financial stability is simple. Our streamlined application process ensures you can access the 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.

SIMPLIFY YOUR FINANCES

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

Not quite the right fit for your business?

Explore these other funding options.

Working Capital Loan

LEARN MORE

Cash Flow Funding

LEARN MORE

Business Line Of Credit

LEARN MORE

View All Options

LEARN MORE

Find the right funding product for your business.

What is an MCA Consolidation and how does it work?

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.

How does an MCA Consolidation improve my cash flow?

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.

Can I still qualify for funding if I have multiple MCAs?

Yes, you can still qualify for funding even if you have multiple merchant cash advances. MCA consolidations are designed for businesses with multiple advances, and we can consolidate up to 7 advances, saving you money. Approval is based on your revenue, and as long as you're not in default or missing payments, you can benefit from the relief provided by MCA consolidations.

Does revenue fluctuation affect my MCA Consolidation?

MCA consolidations are flexible to accommodate changes in your revenue. If your revenue fluctuates, you can request a reconciliation to adjust your payment schedule, ensuring it remains affordable and prevents financial strain.

Is MCA Consolidation a default and will it affect my credit?

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.

FAQs About
MCA Consolidation.

Not sure if an MCA is right for you? We've got the answers to the questions that you want to know most, so you can make an educated decision whether this funding option is the right fit for your business.

Check out our FAQs for all the insights you need, or you can schedule a funding consultation to review your specific situation with a dedicated funding consultant.

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