MCA Reverse Consolidation for Businesses With Multiple Advances

Manage cash flow while paying down multiple MCAs. Scheduled funding can help cover existing withdrawals, with a separate repayment obligation under the new agreement.

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.

A way to manage payments across multiple MCAs

Scheduled deposits help cover existing MCA payments as those balances are repaid. You make a separate payment on the new financing. Compare the funding schedule, total repayment, fees, and payments due after deposits end.

Apply in 10 mins

Take 10 minutes to fill out our online application.

No Hard Credit Check

Pre-approval does not require a hard credit check.

Lower Payments

Potentially lower near-term cash outflow, based on approved terms.

Get Out of MCAs

Support existing MCA payments while reviewing the full cost of new financing.

Speak to one of our Specialists

Is your business cash flow struggling to keep up with MCA payments? Reverse consolidation may reduce near-term cash outflow through scheduled funding. Your existing MCAs continue, and the new financing adds a separate repayment obligation. Results depend on your balances, payment schedule, and approved terms.

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.

Reverse consolidation does not require you to stop paying your existing MCAs. We never contact your existing MCA lenders.

Missed MCA payments can limit future financing options. Eligibility depends on your payment history, current obligations, and the provider reviewing your business. Reverse consolidation provides scheduled funding to help cover existing MCA withdrawals. It does not automatically change those contracts or reduce the amount owed, and it adds a separate repayment obligation.

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.
Illustrative cash-flow difference
$540 to $1,150
per month in this illustration. Actual terms vary; this is not an offer or total-cost estimate.
RESOURCES

Learn more about Small Business Re-Financing

Why a Reverse Consolidation Isn’t Just “Another Advance”

Reverse consolidation still adds financing. Learn how scheduled deposits differ from another MCA, and compare weekly relief, total cost and repayment.

Learn More

How to Get Out of Multiple Merchant Cash Advances Without Defaulting

Explore ways to manage multiple merchant cash advances, compare consolidation options, and reduce weekly cash-flow pressure before default.

Learn More

Press Release: Iron Capital Equities Commits $1 Million to Prevent Stacked MCA Defaults

Iron Capital Equities committed $1 million to expand ReverseConsolidation.com's capacity for qualifying businesses managing multiple MCA payments.

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.

View this Florida bar and grill post on LinkedIn

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.

View this Alabama water bottling company post on LinkedIn View this Alabama water bottling company Note on Substack

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.

View this Maryland seafood restaurant post on X View this Maryland seafood restaurant post on Instagram View this Maryland seafood restaurant post on LinkedIn

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