Refinancing MCA Debt into one Manageable payment

STOP burning your cashflow on Merchant Cash Advances. Lower your daily/weekly payments by up to 50% without defaulting.

Excellent
February 3, 2024
They got me what I needed
I was waiting on my bank for like 3 months getting jerked around a bit, but these guys were able to put me into multiple banks at the same time. Wonderful service and super easy.
Randall
January 31, 2024
Really happy with this
Really happy with this company. Nick was really straightforward and easy to work with. thanks
James E.

The most effective way to get out of multiple cash advance debt

We help you pay off your MCA balances through to the end of the term. At the same time, we offer you a lower payment that typically turns out to be 20% - 50% lower than your initial daily payment. 

Apply in 10 mins

Take 10 minutes to fill out our online application.

No Credit Check

We do not check your credit when you apply with us.

Lower Payments

Lower your total MCA payments by up to 50%

Get Out of MCAs

Pay off your balance and end up with cash on top.

Speak to one of our Specialists

Is your business cash flow is struggling to keep up with your MCA payments?
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With this program, businesses can stop worrying about affording multiple advances, since we save you around 70% of the daily expense.

Speak to a Reverse Consolidation Specialist

A Reverse Consolidation is a smart way to refinance your business cash advance debt.

When daily and/or weekly debt payments are stifling your business cash flow, it’s hard to operate your business. The reason is because the fast pace repayment for advances is creating a situation where your debt servicing is higher than your profit margin.

This means that it’s only a matter of time before you can’t make your advance payments and/or payments for your regular business expenses, like rent, payroll, or inventory.

A Reverse Consolidation does not mean a default on your current MCA (Merchant Cash Advance) obligations. In fact, with a reverse consolidation, your current MCA funders don’t know that you are refinancing.

Did you know? If you default on your current MCA obligations, you will not be able to obtain private financing for your business.

We strongly advise against defaulting on a Merchant Cash Advance because it hinders your ability to borrow in the future. Our program works you out of multiple cash advance positions without negotiating or modifying your agreements with the original lenders.

A Reverse Consolidation gives your business the money to sustain current MCA obligations, while at the same time lowering your actual MCA payments.

Calculate your total cash flow savings for FREE

Calculate your Cash Flow Savings Now.
Use our payment saving calculator to find out how much cash flow would be freed up after getting a Reverse Consolidation. Save your business without defaulting on MCAs.

Enter Current Payments

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Add
$2,342
Weekly
NextAdd Payment

What is the gross monthly revenue of your business?

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Add Payment
Currently
$2,400
each month in payments.
23%
of revenue servicing MCA.
After Reverse Consolidation
$1,250 to $1,860
New payment each month
12% to 18%
of revenue servicing MCA.
Saving you
$1,250 to $1,860
per month in cash flow savings
RESOURCES

Learn more about Small Business Re-Financing

I'm Behind on My MCA Payments—Is It Too Late for a Reverse Consolidation?

Behind on MCA payments? Learn when reverse consolidation may still be possible, what underwriters examine, and when defaults or legal action require added help.

Learn More

Should I Take Another MCA? What to Do When You Already Have Multiple Cash Advances

Already paying multiple MCAs but need more capital? Learn when another advance compounds the problem and how combined upfront funding may affect cash flow.

Learn More

How a Weekly Consolidation Frees Up Working Capital

See how reducing a weekly MCA payment can improve cash retained for payroll, inventory, vendors, and other operating needs—with a worked example.

Learn More
Do I qualify for a reverse consolidation?
Will this affect my credit score?
How does a reverse consolidation work?

Speak to a member of our team.

Our team is standing by ready to answer any questions you may have.

RECENTLY FUNDED

Examples of Recently Funded

ReverseConsolidation.com
September 25, 2026

Arizona construction company: $179,000 MCA stack across four positions. Approximate previous weekly payment $15,000; new weekly payment $8,250.

An Arizona construction company had a $179,000 MCA stack across four positions. Its weekly payment changed through reverse consolidation:

  • Before: about $15,000 per week
  • After: $8,250 per week
  • Approximate payment difference: $6,750 less per week, based on the rounded previous figure

Learn about reverse consolidation.

ReverseConsolidation.com
September 2, 2026

New York pharmacy: $787,000 MCA stack across six positions. Weekly payments changed from $20,570 to $11,320, a $9,250 difference.

A New York pharmacy was carrying a $787,000 MCA stack across six positions. Reverse consolidation changed its weekly payment:

  • Before: $20,570 per week
  • After: $11,320 per week
  • Payment difference: $9,250 less per week

Learn about reverse consolidation.

ReverseConsolidation.com
August 12, 2026

Florida bar and grill: $29,000 MCA stack across three positions. Weekly payments changed from $2,700 to $1,100, a $1,600 difference.

A Florida bar and grill had three MCA positions and a $29,000 MCA stack. A reverse consolidation changed its weekly payment:

  • Before: $2,700 per week
  • After: $1,100 per week
  • Payment difference: $1,600 less per week

The business also received an additional $10,000 at its first disbursement.

Learn about reverse consolidation.

ReverseConsolidation.com
July 22, 2026

Alabama water bottling company: $286,000 MCA stack across four positions. Weekly payments changed from $15,652 to $6,500, a $9,152 difference.

An Alabama water bottling company had a $286,000 MCA stack across four positions. With a reverse consolidation, its weekly payment changed:

  • Before: $15,652 per week
  • After: $6,500 per week
  • Payment difference: $9,152 less per week

The transaction also provided $35,000 in additional working capital.

Learn about reverse consolidation.

ReverseConsolidation.com
July 1, 2026

Maryland seafood restaurant: $357,000 MCA stack across six positions. Weekly payments changed from $10,940 to $4,775, a $6,165 difference.

A Maryland seafood restaurant was managing a $357,000 MCA stack across six positions. A reverse consolidation changed its weekly payment:

  • Before: $10,940 per week
  • After: $4,775 per week
  • Payment difference: $6,165 less per week

The deal included $25,000 in additional funding at closing and was funded in 24 hours.

Learn about reverse consolidation.

SEE IF YOU QUALIFY

It's FREE to Apply, NO Obligation, NO Credit Check

You won't receive 100 calls from brokers when applying with us. We do not share data with anyone.

SEE IF YOU QUALIFY
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