Every active holder
Legal name, servicer, contact channel, and any related entity collecting payment
Merchant cash advance consolidation
One payment only helps when every old position is actually resolved.
MCA consolidation can mean several very different things: a term loan that pays off the advances, a new sales-based facility, a reverse consolidation, or a modification with current holders. Our standard refinance route is up to $350,000 with terms up to 10 years and no more than 2 active MCAs, subject to qualification. Applications with more than 2 MCAs are still accepted for manual review and are not automatically underwritten by AI. We begin with the position map so the label never hides what remains open.
The consolidation decision starts with six verified facts.
Current written payoff
Good-through date, pending debits, legal fees, and any early-pay treatment
Withdrawal schedule
Daily or weekly amount matched to the operating account
Original agreement
Purchased amount, purchased receivables, remittance, reconciliation, and default terms
UCC position
Filing number, jurisdiction, collateral description, and release requirements
Bank-account behavior
Deposits, average balance, negative days, returns, transfers, and remaining operating cash
Consolidation is a result. The structure determines whether it works.
| Route | What closes | Potential benefit | Primary risk |
|---|---|---|---|
| Term or SBA refinance | Verified eligible balances paid at closing | Monthly amortizing payment and potentially lower total cost | Stronger credit, documentation, cash flow, and eligibility are usually required |
| Asset-backed refinance | Payoffs funded through eligible property or equipment equity | May create a route when unsecured credit does not fit | Pledges a valuable asset; closing costs, valuation, and lien priority matter |
| Holder modification or reconciliation | No automatic payoff; existing contract changes or remittance adjusts | May reduce immediate withdrawal pressure without a new facility | Relief, fees, defaults, and release terms must be documented by the holder |
| Reverse consolidation or new advance | Often leaves original positions open while a new provider advances payments | Can temporarily reduce the net daily burden | Adds another obligation and can increase total repayment or default risk |
A smaller daily pull is not enough.
Does it fully resolve the listed positions?
Trace every closing dollar to a verified payoff and require the release evidence.
What is the total repayment after all fees?
Compare dollars, not only the payment frequency or factor label.
What remains in the account after the new payment?
Model payroll, rent, taxes, vendors, and seasonal lows after closing.
What happens if revenue falls?
Understand reconciliation rights, defaults, guarantees, collateral, and debit-control provisions.
See which review should happen first.
Answer seven questions about the file. Three or more active MCAs keeps your application open for manual review; AI does not automatically underwrite that route. This is not an approval. Contact details are collected only if you continue in the secure application.
Step 1 of 714%
This check collects no personal details and does not make a credit decision.
MCA consolidation questions
Can I apply with more than 2 active MCAs?
Yes. We accept the application and documents for a person to review. The standard refinance program is up to $350,000 and up to 10 years with no more than 2 active MCAs; AI does not automatically underwrite files with more than 2. Manual review does not promise that another structure is available.
Can multiple merchant cash advances be combined into one payment?
Sometimes, but the structure matters. A true payoff facility resolves verified balances at closing. Other products may only fund payments while the original positions remain open.
Is MCA consolidation the same as debt settlement?
No. Consolidation usually uses a financing or agreed modification structure. Settlement generally seeks negotiated reductions or payment arrangements and can introduce legal, default, tax, and credit consequences.
Can an SBA loan consolidate MCA balances?
SBA 7(a) permits refinancing certain existing business debt, but an MCA payoff is not automatically eligible. The original use, benefit, documentation, repayment history, lender policy, and complete file all matter.
Should I stop MCA payments before applying?
Do not change or block payments based on a marketing page. Review the agreements and obtain qualified legal advice before taking an action that could trigger default remedies.
How many statements are needed?
A serious review commonly begins with six complete recent months for every operating account, plus all agreements, current payoffs, a debt schedule, and current financials.
Map every position before adding another one.
A clear review begins with verifiable payoffs, withdrawals, liens, and cash flow.
Request a consolidation review