How UnsecuredFinances.com Helped a Plumber Escape 5 MCAs

Running a growing plumbing company is hard enough. Add multiple merchant cash advances (MCAs) with daily withdrawals, and it can feel impossible to keep up.

This is exactly what happened to a plumbing business owner with 20 employees—until he reached out to UnsecuredFinances.com.

In this case study, we’ll show how we helped him get rid of five MCAs, consolidate his payments, and restore his cash flow so he could focus on jobs, not debt.

The Problem: Five MCAs Draining Daily Cash Flow

Our client owns a successful plumbing company with 20 workers, trucks on the road, and constant service calls. Business was good—but like many owners, he ran into cash flow gaps and turned to merchant cash advances for quick funding.

Over time, he ended up with:

5 active MCAs from different companies
Daily or weekly automatic withdrawals from his business account
Effective rates that were much higher than traditional financing
Constant stress about whether there would be enough in the account for payroll, fuel, and materials

Between payroll, fuel, materials, and equipment maintenance, the MCA payments were crushing his cash flow.

He reached a point where the advances he took to “help” the business were actually putting the business at risk.

How MCAs Trap Business Owners

Merchant cash advances are quick and easy to get, but they come with big downsides:

High effective rates
Daily or weekly ACH withdrawals
Short terms
Stacking (multiple MCAs at once)

For our plumbing client, the combined daily withdrawals from five MCAs were eating up a huge portion of his revenue—before he could pay his workers or suppliers.

He didn’t need another MCA. He needed a way to get rid of the MCAs he already had.

That’s when he found UnsecuredFinances.com.

The Solution: An MCA Buyout & Consolidation Strategy

At UnsecuredFinances.com, we specialize in helping business owners:

Buy out or pay off expensive merchant cash advances
Consolidate multiple MCAs into one more manageable payment
Improve monthly cash flow so they can breathe again

Step 1: Free Review of His Existing MCA Debt

We started with a simple review of his situation:

Total amount owed across all 5 MCAs
Daily withdrawal amounts
Remaining terms
Overall cash flow and revenue

He didn’t need tax returns or a mountain of paperwork—just basic documentation and bank statements.

Step 2: Securing a Consolidation / MCA Buyout Loan

Based on his:

Time in business
Monthly revenue
Industry
Overall profile

we were able to secure a new business funding solution specifically designed to pay off or “buy out” the existing MCAs.

This new funding allowed him to:

Pay off all 5 merchant cash advances
Replace multiple daily withdrawals with one structured payment
Extend the term so payments were more manageable
Lower his daily and monthly out-of-pocket burden

Step 3: Improving Cash Flow and Stability

After the MCA buyout with UnsecuredFinances.com:

His daily withdrawals stopped
He now had one predictable payment instead of 5 aggressive ACH pulls
Cash flow stabilized so he could cover:
- Payroll for 20 workers
- Fuel for trucks
- Inventory and materials
- Emergency jobs and opportunities

Instead of dodging overdrafts and stressing over every ACH pull, he could finally focus on running his business again.

The Results: One Loan, Better Terms, and Room to Grow

Here’s what changed for this plumbing business owner after working with UnsecuredFinances.com:

✅ Five MCAs paid off
✅ One structured loan/payment instead of multiple withdrawals
✅ Improved cash flow, making payroll and expenses easier to manage
✅ Less stress and more time to focus on jobs, workers, and growth

By consolidating his merchant cash advances, he turned a debt spiral into a manageable repayment plan.

Why Plumbers and Contractors Choose UnsecuredFinances.com

Many plumbers, HVAC companies, electricians, and contractors get stuck using MCAs because:

Banks move too slowly
Traditional lenders want tax returns and perfect paperwork
They need fast money for materials, emergencies, or expansion

At UnsecuredFinances.com, we specialize in fast, flexible business funding, including:

We understand that contractors often:

Have high expenses
Use write-offs
Don’t always look “perfect” on paper
Can still be very strong businesses in reality

Signs Your Business Might Need an MCA Buyout or Consolidation

You may benefit from an MCA buyout or consolidation if:

You have 2 or more merchant cash advances
Daily or weekly withdrawals are strangling your cash flow
You’re using new MCAs to pay old ones
You’re constantly worried about overdrafts
You’re delaying bills, vendor payments, or payroll because of MCAs

If this sounds familiar, it’s time to explore a merchant cash advance consolidation or MCA payoff loan before things get worse.

How UnsecuredFinances.com Can Help Your Business

Whether you’re a plumber, contractor, trucking company, restaurant, or any other business dealing with MCAs, UnsecuredFinances.com can help you:

Review your current MCA and loan situation
See if you qualify for a buyout or consolidation program
Replace multiple expensive cash advances with one more sustainable payment
Restore your cash flow and peace of mind

Take the Next Step: Get Help With Your Merchant Cash Advances

If you’re struggling under the weight of multiple MCAs like our plumbing client with 20 workers, you’re not alone—and you’re not stuck.

UnsecuredFinances.com helps business owners across the country:

Get rid of multiple merchant cash advances
Lower their payments
Protect their cash flow
Get back to running and growing their businesses

👉 Visit: UnsecuredFinances.com

👉 Call: 888-294-2584 to speak with a specialist about an MCA buyout or consolidation today.

You don’t have to keep living with daily withdrawals and constant stress. Let UnsecuredFinances.com help you turn your MCA debt into a manageable plan—just like we did for the plumber with 20 workers.

Please see all of our good reviews at the Better Business Bureau

(888) 294-2584