Working Capital Solutions

Whether you need working capital, relief from high-cost MCAs, help building business credit, or funding for equipment and expansion, we will work directly with you to find the right fit. With flexible monthly payments, no credit checks or collateral, and approvals in as little as 24 hours, my goal is to make the process fast, fair, and stress-free.

Consolidation & Reverse Consolidation Options

There are several ways businesses can consolidate merchant cash advances (MCAs), including factoring of accounts receivable, alternative cash advance consolidation, and commercial real estate-backed consolidation. A regular consolidation is when a lender provides your business with a lump sum of money to pay off multiple existing loans or merchant cash advances in full. Instead of juggling several high-interest payments, you now have just one loan, one lender, and one fixed monthly payment—typically with better terms and a longer repayment period. This simplifies your finances, reduces your overall payment burden, and can help improve your credit by eliminating multiple high-cost obligations at once. However, one of the most accessible and flexible options is reverse consolidation—and that’s what we’ll focus on here.

A reverse consolidation works by having a specialized lender step in to cover the daily or weekly payments you’re making toward your existing MCAs. In return, your business repays the reverse consolidation lender a single, smaller daily or weekly payment over a longer term. This arrangement reduces the immediate financial strain, often lowering total daily payments by 40% to 60%, which puts more cash back into your business.

The real advantage of a reverse consolidation is the breathing room it provides. If your cash flow is tight, or if your credit card sales have dipped, this option can help stabilize operations without defaulting on current obligations. It’s also a great tool for consolidating multiple MCAs into one streamlined structure.

Another key benefit? It looks like you're organically paying off high-interest loans, rather than defaulting or settling—this can help protect and even improve your credit profile, keeping your business in good standing and eligible for future funding opportunities.

While both reverse consolidation and traditional consolidation aim to manage or eliminate MCA debt, the key difference lies in how the debt is addressed. A traditional consolidation gives your business the funds to pay off your existing lenders in full, and then you start fresh with a new loan. With a reverse consolidation, your original MCA remains active, but it’s being paid down steadily by the reverse consolidation lender—while you make one, more manageable payment to them.