MCA Reverse Consolidation Calculator

Consolidate multiple high-cost MCAs into one manageable payment with better terms.

Lower Payments
Better Factor Rates
Free Up Cash Flow
Consolidate 1-5 Positions
Current Situation & Consolidation Details
Consolidation Amount
$250,000

Working Capital: $50,000

Factor Rate
1.330

5.0% better than current 1.400

New Weekly Payment
$4,263

Est. APR: 22.00%

Monthly Savings
$25,542

Total over 18 months: $459,756

Payment Comparison

Old Monthly

$44,000

New Monthly

$18,458

Assessment

Risk Tier

Tier C

Confidence

76%

✅ Pre-Qualified for Consolidation!

You're pre-qualified to consolidate your MCAs with:

  • Consolidation funding: $250,000
  • Improved factor rate: 1.330 (down from 1.400)
  • New weekly payment: $4,263
  • Monthly savings: $25,542
  • Term: 18 months
  • Freed up working capital: $50,000

💡 Benefits: Lower your daily payment burden, improve cash flow, and simplify your finances by consolidating multiple MCAs into one manageable weekly payment.

📋 About MCA Reverse Consolidation

What is MCA Consolidation?
MCA Reverse Consolidation allows businesses with multiple high-cost merchant cash advances to combine them into a single loan with:

  • Lower factor rates (typically 15-30% improvement)
  • Reduced daily/weekly payments for better cash flow
  • Simplified finances with one payment instead of multiple
  • Additional working capital on top of payoff amounts
  • Extended terms to spread payments over more time

How It Works:
1. We consolidate all your existing MCAs into one loan
2. You get a lower factor rate and better payment terms
3. Extra funding provides working capital for your business
4. Make one weekly payment instead of multiple daily payments
5. Improve cash flow and reduce payment stress

Disclaimer: This calculator provides estimates only. Final terms depend on underwriting approval, verification of revenues, credit check, and business financials. Not all businesses will qualify.