$25,000 to $3,000,000 in working capital. Funding in days, not weeks. Built for the moments when waiting isn't an option.
Every business owner knows the feeling — the deal is in front of you, the timing is right, and your cash is tied up in payroll, inventory, or receivables. That's exactly what working capital is for.
Checking what you qualify for is complimentary and a soft pull only — no effect on your credit. No obligation. Prefer to type your questions? Ask Athena, our AI specialist, in the chat box at the bottom-right.
If you're paying 2, 3, 5, or even 8 Merchant Cash Advances right now — and the daily withdrawals are crushing your operating cash — there is a real solution. MCA Reverse Consolidation cuts your weekly payments by up to 50%, gives you breathing room, and puts you on a path back to financial control. Without taking out another high-cost MCA.
Most business owners stacked with multiple Merchant Cash Advances are caught in a vicious cycle. Daily or weekly payments to multiple MCA lenders consume 30%, 40%, sometimes 60% of every dollar deposited into the business. Cash flow tightens. Operations suffer. Many owners then take out yet another MCA to cover the shortfall — and the cycle deepens.
Reverse consolidation breaks the cycle.
It works differently than a traditional loan consolidation. Here's the structure in plain language:
You enroll in a reverse consolidation program. The lender sends a weekly deposit directly into your business bank account. You use that weekly deposit to make your existing MCA payments. In exchange, you pay the reverse consolidation lender a single, lower payment — at a daily or weekly amount that's significantly less than what your MCAs were costing you collectively.
The result: an immediate increase in net cash retained in your business every single week. Money that was previously hemorrhaging out to multiple MCA lenders is now staying in your operating account.
Your MCAs still get paid in full — you're not defaulting, not damaging your credit, not breaking your contracts. You're just extending the timeline and lowering the weekly cost while you regain control.
You submit a brief application and basic documentation. Approval typically comes within 24 hours — often within 3 to 4 hours.
Your existing MCAs are evaluated and combined under a single reverse consolidation structure. We work with you to identify all current obligations.
The reverse consolidation lender sends a weekly disbursement directly to your business bank account.
You use that weekly deposit to make your existing MCA payments. Your MCAs continue to be paid on time. No default. No damage.
In exchange, you make a single daily or weekly payment to the reverse consolidation lender — significantly less than what you were paying across all your MCAs combined.
You continue receiving weekly disbursements until all original MCAs are paid in full. Then you finish paying off the reverse consolidation balance under terms that are dramatically easier on your cash flow.
Fixed or variable rates with predictable monthly payments.
Payments tied to your revenue — flexible when cash flow fluctuates.
Refinance high-cost merchant cash advances into lower, fixed payments.
Short-term capital to bridge timing gaps between major transactions.
Government-backed working capital with below-market rates.
Speed: Most clients receive offers within 48 hours of submitting a complete application.
The immediate, dramatic relief most owners need. What you were paying weekly to multiple MCAs can be cut roughly in half through the consolidation structure.
The week you start the program, money begins staying in your business instead of draining out. Operations breathe again.
Your MCAs continue to get paid on time. You're not breaking contracts or defaulting. You're restructuring your repayment timeline.
You don't have to pledge real estate, equipment, or personal assets to qualify. Your business deposits are the basis of underwriting.
Whether you're stacked with 2, 3, 5, or 8 active MCAs, the program can handle the full restructure. Most consolidation programs cap at fewer — this is one of the strongest in the market.
Programs scale to significant business sizes. From smaller operators to multi-million-dollar revenue businesses, the structure works.
The honest truth: Reverse consolidation is for operators who have stacked MCAs but are still making payments. If you're already in default or close to it, we need to have a different conversation — there are still options, but the approach changes.
This program isn't for every situation. Here's when it's the right move.
The more MCAs you're juggling, the more relief reverse consolidation typically provides. Operators with 3 to 6 active MCAs often see the most dramatic cash flow improvement.
If 30% or more of your gross deposits are going out to MCA payments, you're in distress territory. Reverse consolidation is built for exactly this situation.
You don't want to damage relationships with your MCA lenders, hurt your business credit, or risk legal action. Reverse consolidation keeps your MCAs current while restructuring your cash flow.
This is the warning sign. Stacking another MCA on top of existing ones deepens the spiral. Reverse consolidation is the way out, not deeper in.
Revenue is strong, customers are paying, the business is profitable on paper — but MCA payments are choking the operation. Reverse consolidation is designed for this exact profile.
After successfully completing a reverse consolidation, many operators qualify for traditional working capital, lines of credit, or SBA financing — at far better rates than MCAs. The reverse consolidation is often Step 1 of getting back to healthy capital.
Most operators don't intend to stack MCAs. Here's how it typically happens:
You take out your first Merchant Cash Advance because you need fast capital and traditional lenders aren't moving fast enough. The terms are aggressive — daily payments, high factor rates — but you accept them because the alternative is missing payroll, a contract, or an opportunity.
The first MCA gets repaid roughly on schedule. But the daily withdrawals from your operating account create cash flow pressure you didn't fully anticipate.
A few months in, you need capital again. Maybe payroll. Maybe inventory. Maybe just to cover the existing MCA payments. So you take out a second MCA.
Now you have two daily withdrawals. The pressure doubles. You stay current, but you have less margin for any unexpected expense.
Then comes the third MCA. Then the fourth. Maybe you "renewed" one — meaning you took out a new MCA before paying off the existing one, and now you have both. By the time many operators reach out for help, they have five, six, seven, or eight active MCAs all pulling daily.
Owners often try to take out one more MCA to "consolidate" the others. They look at the loan proceeds as a way to pay down their balances. But the math is brutal: paying off multiple MCAs at their inflated balances using a new MCA at an even higher factor rate makes the problem worse, not better. It's like paying off a credit card with another credit card at a higher rate.
Reverse consolidation works because it changes the math.
Instead of taking on more debt at a higher cost, you restructure the payment timeline so what you're already paying gets stretched out into manageable payments. Your total cost doesn't dramatically increase. Your monthly cash situation improves immediately. And you keep paying off the original MCA balances over time, but at a pace your business can actually sustain.
You submit a brief application telling us about your current MCAs, your business deposits, and your situation. Encrypted and confidential.
We personally review your file and confirm whether reverse consolidation fits your situation. If it's not the right fit, we tell you straight — and often refer you to an alternative path.
We submit your file to our reverse consolidation lender partner. Initial approval typically returns within 24 hours.
You provide the requested documentation. The reverse consolidation lender finalizes terms. Funding typically wires within 24 hours of approval.
The week after closing, your first weekly disbursement arrives. You use it to make your MCA payments. The pressure starts releasing immediately.
You make your single, lower payment to the reverse consolidation lender. Your MCAs get paid down over time. Within months, you've reclaimed control over your cash flow and you're in position to qualify for better capital structures.
Sharing details about your existing MCAs, your cash flow, and your business financials requires trust. We earn that trust by being absolutely clear about how your information is handled.
This is non-negotiable. Operators in MCA distress are often approached by predatory brokers who exploit their situation. We are not that. We are the alternative.
A 3-minute application starts the process. Approval often comes within 24 hours. Weekly disbursements can begin within days. Your business doesn't have to keep operating like this.
Apply for Reverse Consolidation →Have a complex situation? Call (602) 905-2066 — same-day decisions available. The conversation is confidential and there is no obligation.
Click below to begin your application — soft pull only, no effect on your credit, no obligation. Or ask Athena, our AI specialist, anything in the chat box at the bottom-right.