Merchant Cash Advance (MCA) funding often comes with aggressive repayment terms that can place serious strain on a business. Daily or weekly withdrawals frequently disrupt cash flow and have pushed thousands of businesses toward default or closure. If your company is struggling under the pressure of an MCA—or already in default—speaking with an experienced funding specialist could be the turning point.
Refinance or Consolidate Your MCA Loans
Are you currently managing one or more daily payment merchant cash advance loans? Would you prefer to replace those constant withdrawals with a single, predictable monthly payment?
Our refinancing solutions are designed specifically for business owners who want to consolidate multiple MCA or daily payment working capital loans into a longer-term business loan with more manageable repayment terms.
What Is an MCA Buyout Loan?
One of our core funding solutions is the Merchant Cash Advance Buyout Loan. This product is strictly used to pay off existing MCA loans and convert them into a structured monthly loan with extended terms.
By restructuring your financing, our investors can often reduce your total repayment costs by 50% or more, while giving your business the breathing room it needs to stabilize and grow.
Why Businesses Turn to MCA Buyout Loans
Many businesses rely on MCAs due to:
1. Low or recovering credit scores
2. Thin profit margins
3. Limited operating history
Our MCA buyout programs are built to solve these challenges by consolidating high-cost daily payments into one affordable monthly obligation—lowering overall expenses and restoring cash flow stability.
Qualification Requirements
To be considered for an MCA buyout loan, the following criteria generally apply:
1. Minimum 600 FICO score
2. No bankruptcies or repossessions within the last 12 months
3. Business must generate at least $300,000 in annual revenue
4. At least one active MCA in place
5. Minimum 1 year in business
6. Loans may be secured or unsecured, depending on the situation
7. Additional capital beyond the buyout may require receivables, contracts, or collateral to support repayment capacity
Thinking of Starting a New Business?
There has never been a better time. As markets reopen and innovation accelerates, new business models are emerging across every industry. If you’re ready to launch your next venture, we can help you secure the funding needed to move forward with confidence.
Funding Solutions That Go Beyond MCA
Many entrepreneurs feel limited by personal savings—but there are alternatives. With solid credit and the right strategy, Small Business Loans and No-Doc Loans can provide the capital needed to turn ideas into reality. Our role is to educate you on your options and connect you with funding that truly supports growth.
About Unsecured Finances
Unsecured Finances brings over 10 years of consulting experience in business funding solutions. We specialize in helping clients secure:
1. Unsecured Business Loans
2. Start-Up Business Specialty Loans
3. No-Documentation (Stated Income) Loans
4. Business Lines of Credit from $10,000 to $500,000
5. Funding options that do not require assets
Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584
