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MCA Refinancing

Get out of merchant cash advances.

We don’t originate advances — we refinance people out of them. Stacked daily-remit positions consolidated into a single monthly payment through private lenders and factoring.

Send us your positionsSee what we place

Nothing to pay unless it closes. Nothing goes to a lender without your approval.

Why stacking is the thing that ends businesses

A single advance is expensive. Stacked advances are structurally different, and the difference is arithmetic rather than opinion.

Each position takes a fixed cut of every deposit, every business day, ahead of payroll and ahead of your suppliers. Add a second and a third and the combined daily remit can exceed your gross margin — at which point the business is working to service the advances and nothing else. Revenue keeps rising and cash keeps falling, which is why owners in this position so often describe it as not making sense.

This is also what closes the door on cheap capital. An SBA lender looking at daily debits sees a business that cannot service a monthly note. The advances have to be gone before a 7(a) is realistic — which means the refinance isn’t just relief, it is the prerequisite.

How to tell what you actually have

Advances are frequently sold as “loans.” These are the tells.

  • Daily or weekly ACH debitsThe single defining feature. A loan bills monthly; an advance takes a cut of every deposit.
  • Two or more positionsStacking is where advances go from expensive to fatal. Each new position takes its cut before the last one is satisfied.
  • A factor rate, not an APR"1.35 factor" is a total payback multiple, not a rate. On a six-month remit it can annualize past 80%.
  • Payments that scale with revenueA good month costs you more. There is no reward for growing.
  • A COJ or personal guarantee you don't remember signingConfessions of judgment and cross-collateralization are common and are the reason these are hard to walk away from.

Four ways out

Which one fits depends on what you have to underwrite against — not on how badly you need it.

Consolidation term loan

One private-lender facility takes out every open position and replaces daily debits with a single monthly payment. Longer amortization, dramatically lower daily cash burn.

Needs

Profitable, some collateral, at least a year of history

Invoice factoring

If you invoice commercial or government customers, a factor advances against those receivables and pays off the advances. Underwrites your customer's credit rather than your profitability — which is why it works when nothing else does.

Needs

Commercial A/R on 30–90 day terms

Contract financing

Funded against a signed contract or purchase order. Works for contractors and staffing firms whose money is committed but not yet collected.

Needs

Signed award from a creditworthy counterparty

Equipment refinance

If you own titled equipment free and clear, a sale-leaseback or refinance releases cash to clear the advances.

Needs

Owned, titled, unencumbered equipment

What we’ll tell you honestly

  • Refinancing is not free. A consolidation still costs money. It is cheaper than what you have, and it stops the daily bleed — but anyone promising to make the debt disappear is selling something.
  • Some files can’t be refinanced. If the combined balance exceeds what the business can service on any structure, the answer is a workout conversation, not another facility. We will say so.
  • We will not add a position. If the only thing that fits is another advance, we decline the file rather than stack you.
  • Read your agreements before you sign anything new. Confessions of judgment, cross-collateralization and reconciliation clauses all affect what a refinance can actually accomplish.

How this plays out in your industry.

Some sectors get solicited far harder than others, and the way out differs. These guides cover why, and which structure actually replaces the advance.

Restaurants

Getting out, in restaurants

Trucking

Getting out, in trucking

Construction

Getting out, in construction

Retail

Getting out, in retail

Auto Repair

Getting out, in auto repair

Staffing Agencies

Getting out, in staffing agencies

Healthcare

Getting out, in healthcare

Home Improvement

Getting out, in home improvement

Send us your positions

We’ll tell you what comes out and what it costs.

Send the funding agreements and three months of bank statements. We’ll show you the combined daily remit, what a consolidation would replace it with, and whether it actually clears.

  • Each funding agreement
  • 3 months bank statements
  • A/R aging (if you invoice)
  • Current debt schedule
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