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Four daily draws in. One payment out.
If you are juggling multiple cash advances, each pulling from your account daily or weekly, consolidation brings them into a single coordinated plan. One payment, monthly or weekly, that your cash flow can actually sustain. Subject to review and approval.
Replaces up to four separate advance debits.
At a glance
Stop getting hit from four directions.
Stacked cash advances multiply the pain: each one debits on its own schedule, and together they can drain an account before the week is out. Consolidation takes up to four positions and folds them into one plan with one payment.
The goal is simple: lower the daily pressure, make the obligation predictable, and give your business room to operate while the debt gets resolved.
Start Your ApplicationHow it works
From chaos to one payment.
We start with the truth of where you stand, then build the plan around it.
Lay out your positions
Tell us about each advance: who it is with, what you owe, and what they take and how often. No judgment, just facts.
We build the plan
Our team reviews your cash flow and structures a single coordinated payment, monthly or weekly, that the business can sustain.
Advances fold into the plan
Your positions are addressed through the consolidation structure, replacing scattered debits with one obligation.
One payment, handled
You make a single predictable payment while your business gets back to business. Subject to review and approval throughout.
Who it’s for
Made for the stacked and stretched.
Consolidation is for businesses that can support one reasonable payment but are drowning in several unreasonable ones.
- You have two to four active cash advances debiting daily or weekly.
- Your business still earns real revenue, enough to support one sustainable payment.
- You want to stay current and resolve the debt, not walk away from it.
- You need the bleeding to stop so you can run the business again.
The goal is a lower, sustainable payment, but consolidation is not free money: total cost depends on the terms of your plan. We show you the full math before you agree to anything, so you can compare it against the cost of doing nothing.
Where it fits
Where consolidation changes the game.
The restaurant with three advances
Breakfast, lunch, and dinner rushes were funding four different lenders. One weekly payment replaced the daily chaos and the owner could finally look past Friday.
The trucking company
Weekly debits were timed terribly against slow-paying brokers. A single coordinated payment lined up with how cash actually arrived.
The salon stacked in slow season
Summer advances kept the doors open, then fall brought the debits. Consolidation turned overlapping draws into one monthly payment the books could handle.
One payment beats four debits.
Lay out your positions and we will show you what a single coordinated payment could look like. No cost to apply.
Straight answers
Questions, answered.
Is this a loan?
It is a consolidation plan that resolves your advances into one coordinated payment. We will explain the exact structure in plain language before you agree to anything.
Will my total payments go down?
The goal is a payment your cash flow can sustain, which for most stacked businesses means meaningful monthly relief. Total cost depends on your plan’s terms, and we show you all of it up front.
What if I have more than four advances?
Talk to us anyway. Depending on the picture, the Break Bread Term Loan, which refinances MCA debt into a 10-year term loan, may be the better fit.
Does consolidation hurt my business?
It is designed to do the opposite: replace unsustainable debits with a payment you can meet, so the business can operate and recover.
How fast can this happen?
Speed depends on your documentation and the review process. We move quickly because we know daily debits do not wait.
Your next chapter
Let’s put your capital plan on the table.
Share what your business needs. We will bring the strategy.
Funding is subject to eligibility, underwriting and approval. Amounts, rates, terms and timing vary. Introductory credit card rates are time-limited and may involve fees. Property-secured financing places collateral at risk.