MCA Buyouts
One payment instead of five daily debits.
We pay off your existing merchant cash advances directly and consolidate them into a single, long-term obligation you can actually manage.
How an MCA buyout works
Our underwriting team reviews every open position — funder, original amount, remaining balance, factor rate and payment frequency. We then structure new financing that pays off those balances in full and leaves you with one predictable payment.
Full buyouts
We pay off every position at once. Ideal for owners with 2–6 stacked advances who want a clean slate.
Partial buyouts
We pay off the most expensive or newest positions first, immediately reducing your daily debit load while the remaining balance runs off.
Consolidation with working capital
Where cash flow allows, we can include additional working capital in the new structure so you have breathing room on day one.
Who qualifies
- 6+ months in business
- Consistent monthly revenue (typically $30k+)
- One or more open MCA or short-term loan positions
- Business bank account with recent statements
- All credit profiles considered
What you'll need
- 4–6 months of business bank statements
- List of current funders and balances
- Copies of MCA agreements or payoff letters
- Owner ID and voided business check
Ready to stop the daily drain?
Free, no-obligation review of your MCA positions. Call 201-834-4118