Break Bread LendingMCA Consolidation (888) 818-3781
MCA Consolidation Calculator
Enter each merchant cash advance you're carrying: what you owe today, your payment amount, whether it drafts daily or weekly, and how many weeks are left. The calculator totals what your advances pull every month, then shows the same balance as one term loan payment at two illustrative rates, so you can see the cash flow difference before you talk to anyone.
Your Advances, Your Numbers
Example numbers are in place so you can see how it reads. Replace them with yours and the comparison updates as you type.
Your advances
Your business profile
Your comparison
Illustrative rate: 10%
$0New monthly payment, one loan for the whole stack
Higher-risk files: 15%
$0New monthly payment, one loan for the whole stack
Your advances total more than $500,000. The standard program caps at $500,000, so the excess would need a different structure. The scenarios above still use your full balance, so you can see the scale of the payment change.
Add your monthly revenue, credit band, and years in business above, and this line reads your profile against the main consolidation program.
Illustrative estimate, not a quote or an approval. Your actual rate and payment depend on your full file.
Comparing options first? Read how the Break Bread Term Loan works, or check what your company's records could be worth with the data value estimator.
How it works
For each advance: what you owe today, the payment amount, whether it drafts daily or weekly, and the weeks left. The calculator totals the stack as you type. Nothing is sent anywhere.
See what your advances pull each month if you ride them out, next to one monthly payment at two illustrative rates, and the cash each month frees up either way.
Apply, or book the 10-minute review call. Pre-approval carries no hard credit inquiry, and a specialist reviews your full file and replies within 24 to 48 hours.
Keep going
The product behind the math
Up to $500,000, terms up to 10 years, and one monthly payment. The full product page covers who it fits, how the application runs, and what it costs.
See the term loan page →
A different asset entirely
Established companies are licensing copies of their operational records to AI companies for six figures, without taking on any debt at all. The data value estimator gives you an indicative range in about ten seconds.
Run the data value estimator →
Straight answers
One term loan pays off your advances in full. Instead of a draft leaving your account every business day or every week for each funder, the loan replaces the whole stack with a single balance and one monthly payment. Most owners use it to turn a heavy weekly outflow into a payment their cash flow can plan around.
The consolidation program fits owners with a credit score of 680 or higher and at least 2 years in business, with consolidation loans up to $500,000 over terms of up to 10 years, sized to your revenue and the debt being refinanced. If your numbers sit outside that box, the conversation isn't over: some files still place through other lanes, and the review call sorts out which ones fit your file.
No. Pre-approval on the programs we work with comes with no hard credit inquiry, so running your numbers and getting a pre-approval read doesn't affect your credit score.
A specialist reviews every application and replies within 24 to 48 hours. From there, timing depends on your documents and underwriting: straightforward files commonly fund in a few weeks. The review call gives you a straight timeline for your file before you commit to anything.
Yes. Stacked positions are exactly what this is built for. The calculator above takes up to four advances at once, and the loan balance covers the combined payoff of the stack, not just the largest one.
Early payoff terms depend on the program. They're spelled out in writing in your offer before you commit, so there are no surprises either way. One monthly payment replaces the daily and weekly pulls either way.
Break Bread Lending, in business since 2022 · Ryan Shamim, Founder & CEO, served as a mentor and judge on Beta Blox (one season) · (888) 818-3781