Running a business is tough enough without the burden of crushing Merchant Cash Advance (MCA) debt. Many small business owners find themselves stuck in the MCA cycle—multiple daily or weekly withdrawals, sky-high factor rates, and no room left for growth. But with the right strategy, it’s possible to escape this trap.
That’s exactly what we did for one of our recent clients. By consolidating multiple MCAs into our structured 2-to-3 year consolidation program, we were able to reduce their debt burden by over 75% and restore healthy cash flow.
The Problem: Multiple MCAs Draining Cash Flow
Our client, a small business owner in the retail sector, had taken out four MCAs to cover payroll and inventory. At first, the funds helped, but soon the reality set in:
- Daily ACH withdrawals eating away at cash flow.
- Effective APRs exceeding 80% when annualized.
- No ability to invest in growth or expansion.
They came to us looking for a solution before things spiraled out of control.
The Solution: MCA Consolidation
Instead of trying to keep up with multiple MCA payments, we enrolled them in our 2-to-3 year MCA consolidation program. Here’s how it worked:
- Consolidation: We paid off the existing MCA balances.
- One manageable payment: We restructured their debt into one affordable monthly payment.
- Cash flow relief: No more daily/weekly drains—our client now had predictable monthly terms.
- Longer repayment horizon: Spreading payments over 24–36 months provided stability.
The result? A 75% reduction in overall MCA-related expenses and the ability to finally breathe again.
The Results: Real Savings, Real Growth
By consolidating, our client:
- Reduced their total MCA costs by more than three-quarters.
- Gained an extra $15,000/month in freed-up cash flow.
- Was able to reinvest in marketing and inventory.
- Avoided default and collection risks.
Why Choose MCA Consolidation?
If you’re a business owner struggling with multiple MCAs, consolidation may be the smartest path forward. Our programs are designed to:
- Protect cash flow
- Lower total debt costs
- Stop the daily bleed of ACH withdrawals
- Provide peace of mind and financial breathing room
Internal Resources
- Learn more about our MCA Buyout Loans
- Explore our Business Loan Alternatives
- Discover our MCA Refinancing Options
Ready to Consolidate Your MCA Debt?
If you’re struggling with multiple MCAs, don’t wait until it’s too late. Contact us today to see how our 2-to-3 year MCA consolidation program can cut your payments by up to 75%—and give your business the second chance it deserves. https://unsecuredfinances.com/loan-products/mca-buyout-loans-4/
