What is MCA consolidation?
MCA consolidation replaces two or more existing merchant cash advances with one new advance. The new funder pays off (or restructures) your existing positions, and you make one payment — usually over a longer term, which can lower your daily or weekly payment amount.
Important: A longer term can lower your payment but may increase the total amount you pay back. Always compare both numbers before you decide.
Signs consolidation could help
- You have two or more advances with daily payments
- Payments are causing overdrafts or negative balance days
- You're considering another advance just to cover existing payments
- Your revenue is still steady, but the payment schedule doesn't fit your cash flow
How the consolidation review works
- Share your recent bank statements and a list of current advances (balance, payment amount and frequency).
- A funding specialist reviews whether consolidation, a single larger position or another option would actually improve your cash flow.
- If it makes sense, you'll get a clear comparison: current total daily/weekly payments vs. the new payment, and the total payback.
If consolidation won't improve your cash flow, it isn't the right move.
Funding by industry
Restaurants · Trucking · Construction · Medical & Dental · Retail Stores · Auto Repair Shops · Salons & Spas · E-commerce · Landscaping · HVAC & Plumbing · Manufacturing · Wholesale & Distribution · Gyms & Fitness · Hotels & Hospitality
Frequently asked questions
Will consolidation lower the total I owe?
Not necessarily. Consolidation primarily lowers your payment by extending the term. The total cost may be higher. Always compare total payback amounts.
Can I consolidate if I am behind on payments?
It is harder but sometimes possible. Contact us for an honest review of your situation.