Consolidation Amount
$10K – $500K
How It Works
- Reduce Payments 20-50%
- One Single Daily Payment
- 10-25% Additional Capital
DO YOU QUALIFY FOR CONSOLIDATION?
2+ Active MCA Positions
Currently managing two or more merchant cash advances with active daily or weekly ACH debits.
$20K+ Monthly Revenue
Demonstrate $20,000 or more in monthly gross revenue with at least 6 months of business history.
550+ Credit Score
Programs available starting at 550 FICO. Your revenue and existing MCA history matter more than perfect credit.
PROVEN RESULTS
40%
Avg Payment Reduction
500+
MCAs Consolidated
Days
Not Weeks to Close
HOMESTEAD MCA CONSOLIDATION
We pay off your existing MCAs, replace multiple daily debits with one manageable payment, and give you additional working capital to stabilize operations.
One Payment
Multiple debits become one.
Predictable daily amount.
Simplify your cash flow.
20-50% Reduction
Lower daily payment total.
Immediate cash flow relief.
See your new payment.
Additional Capital
10-25% fresh working capital.
Above existing balances.
Capital to stabilize.
Close in Days
Fast approval process.
MCAs paid off immediately.
Relief starts now.
WHO NEEDS CONSOLIDATION
If multiple daily MCA debits are draining your account before payroll clears, you're not alone. Consolidation was built for businesses exactly like yours.
Restaurant Owners
Three MCAs stacking daily debits before the lunch rush even starts. By the time card transactions clear, the account is already negative from morning ACH pulls.
Retail Business Owners
Each MCA was supposed to help grow the business. Instead, stacked payments now consume 40% of daily revenue, leaving nothing for inventory or operations.
Contractors
Took advances to fund projects between progress payments. Now the daily debits hit even during slow weeks, making it impossible to bid on new work or cover crew payroll.
E-Commerce Sellers
Stacked MCAs to fund inventory and ads during growth. Now multiple daily withdrawals drain the account before supplier payments and ad spend can process.
Service Businesses
Multiple advances taken during busy seasons now create a daily cash drain during slow months. The payment amount never adjusts, but your revenue does.
Franchise Operators
Franchise fees, royalties, and stacked MCA payments all hit the same account. The daily withdrawal burden makes it impossible to meet corporate requirements and stay operational.
THE MCA DEBT SPIRAL
Each advance was supposed to help. Instead, stacking MCAs creates a cycle that gets harder to escape every month.
Multiple Daily Debits
Three, four, five separate ACH pulls hitting your account every morning before you open the doors. By the time your first customer pays, the damage is done.
Payroll at Risk
MCA payments process before payroll. Your team's checks bounce or get delayed because the account was drained by advance payments that took priority.
Stacking to Survive
You took another MCA to cover the payments from the last one. Now you're paying for three advances simultaneously, each adding another daily debit to the pile.
No Way Out Alone
Banks won't refinance MCA debt. Traditional lenders see multiple advances as a disqualifying risk factor. The only path forward is purpose-built consolidation.
HOW CONSOLIDATION WORKS
Three steps to replace chaos with control.
1. We Analyze Your MCAs
We review all your active advances — balances, daily payments, remaining terms — and calculate your total daily obligation.
2. We Pay Off Your MCAs
Your existing advances are paid off directly. All those separate daily ACH debits stop. Replaced with one single, lower payment.
3. You Get Relief + Capital
Daily payments reduced 20-50%. Plus 10-25% additional working capital deposited into your account to stabilize operations.
Frequently Asked Questions
GET RELIEF FROM STACKED MCAs
2+ active MCAs? $20K+ monthly revenue? See your reduced payment in minutes.
Terms and rates are subject to lender approval and may vary based on creditworthiness and business qualifications. Financing is provided through our lending partner network. All terms are fully disclosed in the lender's agreement.