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MCA Consolidation & Reverse Consolidation Loans

Reduce Payment Pressure. Regain Cash Flow Control.

If multiple merchant cash advance payments are putting stress on your business, a consolidation solution may help. We work with a network of lenders that specialize in consolidating existing advances into a more manageable structure—designed to reduce payment pressure and simplify your cash flow.
Check your eligibility in minutes.
Funderial Finanding Partner

What Is MCA / Reverse Consolidation?

MCA consolidation is a financing option that can be used to pay off multiple existing merchant cash advances and replace them with one consolidated payment structure.

Rather than stacking daily or weekly payments, consolidation focuses on improving cash flow by extending repayment terms and reducing total payment pressure.

This solution is often used by business owners who:
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Took multiple advances during periods of growth
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Are experiencing cash flow compression from stacked payments
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Want to stabilize operations without defaulting

Merchant Cash Advance Consolidation Explained

Merchant cash advance consolidation is commonly used by businesses that have taken multiple MCAs over time and are now experiencing strain from daily or weekly debits.

By consolidating merchant cash advances into a single structured solution, businesses may be able to reduce overall payment pressure, simplify repayment, and regain control of operating cash flow.

This is different from traditional business debt consolidation or bank refinancing. MCA consolidation is designed specifically for alternative financing situations where speed, flexibility, and revenue-based performance matter.
Funderial Financing Partner

How it Works

Apply

Apply

Submit a short, secure application outlining your business and current advances.

Review

Review

We evaluate your existing payment obligations and match your request with consolidation-focused lenders in our network.

Consolidate

Consolidate

If approved, funds may be used to pay off existing advances and establish a new, more manageable payment structure.

Why Businesses Use Consolidation

Funding scenario evaluation Potentially reduce daily or weekly payment burden
Product selection guidance Replace multiple payments with one structured solution
Deal structuring assistance Improve day-to-day cash flow
Underwriting communication Avoid missed payments or defaults
Post-funding merchant support Regain operational flexibility

*Results vary based on business performance, existing obligations, and lender terms.*

Consolidation vs Other Financing Options

MCA Consolidation vs. New Merchant Cash Advance

A new MCA adds another payment. Consolidation focuses on replacing existing payments with a more manageable structure.

MCA Consolidation vs. Term Loans

Term loans typically require stronger credit, longer approval timelines, and stricter underwriting. Consolidation solutions are designed for businesses already using alternative financing.

MCA Consolidation vs. Doing Nothing

Ignoring stacked payments can increase the risk of missed payments, defaults, and operational disruption. Consolidation is often used proactively to stabilize cash flow.

Program Highlights

Funding Amounts

Funding Amounts

Typically $25,000 to $2,000,000
Use of Funds

Use of Funds

Payoff of existing merchant cash advances
Terms

Terms

Short-term structured repayment (varies by offer)
Speed

Speed

Decisions often within 24–48 hours
Funding Timeline

Funding Timeline

As fast as 24–72 hours after approval
Credit

Credit

Soft inquiry initially; full review upon approval
Collateral

Collateral

No hard collateral required in many cases
Prepayment

Prepayment

Discounts may be available depending on lender

Is This Right for Your Business?

A Good Fit If You:

  • Funderial - MCA Consolidation Have 2 or more active MCAs or revenue advances
  • Funderial - MCA Consolidation Are making daily or weekly payments
  • Funderial - MCA Consolidation Have been in business 12+ months
  • Funderial - MCA Consolidation Generate consistent monthly revenue
  • Funderial - MCA Consolidation Want to reduce payment pressure and stabilize cash flow

Not a Fit If You:

  • Funderial - MCA Consolidation Are already in default on multiple positions
  • Funderial - MCA Consolidation Have little or no current revenue
  • Funderial - MCA Consolidation Are seeking long-term bank refinancing
  • Funderial - MCA Consolidation Need the lowest possible interest rate instead of cash flow relief
MCA Basic Qualifications - Funderial

Basic Qualification Guidelines

MCA Basic Qualifications - Funderial
Funderial Financing Partner - Funderial
1+ year Time in business
Funderial Financing Partner - Funderial
$10,000 + (guideline) Monthly revenue
Funderial Financing Partner - Funderial
500 + (flexible depending on deal) Credit score
Funderial Financing Partner - Funderial
Typically 2 or more Existing advances
Meeting guidelines does not guarantee approval.

Frequently asked questions

While consolidation solutions may share some structural similarities with merchant cash advances, the purpose is different. Consolidation focuses on replacing multiple payments with a more manageable structure to improve cash flow.
Not necessarily. The primary goal is to reduce payment pressure and improve cash flow, not to restructure debt at bank-level pricing.
If approved, consolidation funds are typically used to pay off some or all existing MCA balances, depending on the offer structure.
Many consolidation offers are reviewed within 24–48 hours, with funding possible within 1–3 business days after approval.
Many businesses are in a stronger position after payoff and may qualify for additional financing options in the future, depending on performance.
Most lenders perform a soft review initially. A full credit inquiry may occur upon approval, depending on the lender.

Still have questions? Our loan specialists are here to help.

Contact our Specialist Arrow
How Businesses Consolidate MCAs

How We Help Businesses Consolidate MCAs

We operate as a business financing broker, working with a network of lenders that specialize in consolidation and payment restructuring solutions. Our role is to help business owners understand their options, review existing obligations, and determine whether consolidation makes sense based on cash flow and performance.

Every business situation is different, and consolidation offers vary by lender and qualifications.

Get Started Today!

If stacked payments are restricting your business’s cash flow, consolidation may help you regain control.

Please agree to Funderial’s Terms & Conditions.

A funding specialist will contact you to review your options.