Consolidation
Stacked advances choking cash flow? Roll them into one lower payment.
Consolidation pays off multiple existing advances or short-term loans and replaces them with a single position on a longer term — dropping the combined daily or weekly payment so the business can breathe again. Depending on the file, the takeout comes from a consolidation funder, a term loan, or a reverse-consolidation structure.
From application to wire
- 1
Map every position
Send statements and payoff letters. We document each balance, payment, and remaining term.
- 2
Build the takeout
We size a single position that clears the stack — or a reverse structure that covers payments while balances run down.
- 3
Payoffs go direct
Existing funders are paid directly, so balances close cleanly.
- 4
One payment
You remit one, lower payment on a longer runway.
Best for
- Businesses with 2+ active MCA positions
- Payments eating 20%+ of deposits
- Owners who want to stop the renewal treadmill
- Files that need breathing room before moving to cheaper capital
What the numbers look like
Three positions into one
- Existing positions
- 0
- Combined daily before
- $0
- New daily after
- ~$0
- Monthly cash freed
- ~$0
Result: Store kept its inventory budget and stopped taking new advances to cover old ones.
Contractor exits the stack
- Existing balances
- $0
- Weekly before
- $0
- Weekly after
- ~$0
- Next step
- Refi to term loan in 0 months
Result: Cash flow stabilized enough to qualify for a term-loan refinance less than a year later.
Examples are illustrative composites to show how the product works. Actual amounts, pricing, and terms depend on underwriting.
Where Consolidation works best
Retail
Restore inventory budget eaten by daily payments.
Construction
Match payments to slower draw cycles.
Restaurants
Ease daily remittance during slow seasons.
Trucking
Lower weekly debits while freight rates recover.
Auto Repair
Free up cash for parts and techs.
Run your Consolidation numbers
- Revenue profile: $150,000/month
- Positions: 3 active
- Balance vs. revenue: 1.7× monthly revenue
Illustrative relief range. Total cost may be similar or higher in exchange for a lower payment and longer term. Not an approval or offer.
Straight answers
Will my existing funders be paid off?
In a standard consolidation, yes — directly, from the new funding.
Is consolidation more expensive?
The total cost can be similar or higher, but the payment drops and the runway lengthens. We'll show both.
Can I later move to a term loan?
That's the goal for many clients — consolidation is often the bridge.
Money talks. Ours ROARS.
One application. Every program we have. Mix and blend products on the same file.
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