MCA Consolidation
MCA Consolidation Business Funding.
Regain control of your cash flow with flexible terms,
instant relief, and zero disruptions to your
business operations—Apply now and start saving today!
Funding Amounts
Up to 7 advances
Repayment Terms
5 - 18 months
Timeline to Funding
Less than 24-hours
What Is An MCA
Consolidation Loan?
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 Uses Of A Merchant Cash Advance
Consolidation For Your Small Business.
MCA consolidation can be a game-changer for businesses juggling multiple cash advance payments. Whether you’re looking to reduce your daily payment burden, free up working capital, or create a more manageable repayment schedule, this solution offers the flexibility you need to stay focused on growth. 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 MCAs, the last thing you want to do is start missing payments and fall behind on your obligations.
Improve Cash Flow
Give yourself breathing room with weekly cash infusions and a revised payment that frees up your cash flow.
Enhance Stability
Regain control over your finances to achieve 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 complementary 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 the opportunity to invest in future growth without the constant 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, you can roll your payments into one lower payment and give your business the breathing room needed to recover.
Stay Current on Debt Obligations
If your payments start cutting into your profits, it may become difficult to cover the cost of day-to-day operations while continuing with your current payment schedule. Consolidating will help you avoid disaster while still maintaining a positive payment history.
Free Up Daily 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.
How To Qualify For An MCA
Consolidation Business Loan.
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 your business has a consistent revenue and a solid payment history, you can take advantage of this solution to improve your financial position and cash flow management.
Minimum Revenue
Minimum of $30,000 average monthly revenue
Minimum Time in Business
Minimum time in business of at least 1 year or more
Minimum Credit Score
Minimum personal credit score of 550 or higher
Past Payment History
No active judgments or prior defaults on funding
Applying For An MCA Consolidation Loan.
Applying for an MCA consolidation is a straightforward and hassle-free process. Once approved, your savings start immediately, improving liquidity and freeing up cash flow, allowing you to focus on running your business without worrying about multiple withdrawal schedules. With minimal paperwork and a quick turnaround, the feeling of relief is much closer than you think.
Step 1: Complete Your Application
Fill out our quick online form with basic business details and recent business bank statements.
Step 2: Get Approved For Funding
Our team will review your submission and provide tailored funding options to suit your needs.
Step 3: Receive Your Funds 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 A
Cash Advance Consolidation Loan?
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.
Still have questions? Check out our FAQs below or speak with a funding specialist.
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.
MCA Consolidation Frequently
Asked Questions.
Got questions about MCA consolidation? You’re not alone. Understanding how this solution works, its benefits, and how it can help your business regain control of its cash flow is crucial. Explore our frequently asked questions to get the clarity you need to make an informed decision on whether an MCA consolidation is the right fit for your business.
Not quite the right fit for your business?
Explore these other funding options.
Cash Flow Funding
Business Line of Credit
Merchant Cash Advance
View All Options
Or schedule a funding consultation for a complimentary business funding analysis.