MCA consolidation, without the sales pitch
Consolidation means replacing several merchant cash advances with one new financing, ideally at a lower total cost with one payment you can plan around. Done right, it stops the daily debit pile-up. Done wrong, it is just a bigger advance stacked on the old ones. This page is general information, not legal advice.
The difference that matters
A true consolidation pays off your existing balances. A reverse consolidation adds new money on top while the old debits keep running. Ask which one is on the table, in writing, before anything else.
What the law now requires
Twelve states now require providers to disclose the real cost of covered small business financing before you sign. In California, that includes the total dollar cost and the annual percentage rate. In Louisiana, every revenue based financing deal comes with a required cost disclosure, no matter the size. Find your state in the state directory.
Four questions before you sign
- What is the total payoff amount for each existing advance, and will you pay them off directly?
- What is the all-in cost of the new financing, expressed as an annual percentage rate?
- Are there prepayment penalties on the old balances or the new one?
- Is this a consolidation or new money on top?
See funding options that may fit your business
See Your OptionsKeep Going Capital is a marketing and comparison service, not a lender. We do not make credit decisions. We connect business owners with independent funding providers.