MCA Consolidation: Getting Out of Stacked Positions
Stacking happens fast — one MCA becomes three over six months as renewals layer on. Daily debits cross 25% of revenue and the business starts hemorrhaging cash to service capital that was supposed to grow it. Consolidation is the way out, but only if you understand the lender math.
When consolidation makes sense
Three or more active positions, combined daily/weekly remits >15% of revenue, 4+ months remaining on the largest balance, current on all positions. Lenders won't consolidate defaulting paper without significant haircuts.
How a consolidation lender prices the file
They underwrite the buyout amount as a new advance — usually at a higher factor rate than your A-paper position but lower than your blended cost. Real savings come from extending term (12–18 months vs 4–6) and dropping the daily debit by 40–60%.
Reverse consolidations vs full payoff
A reverse consolidation funds the daily remit (not the full balance) at a flat weekly amount, easing cash flow without paying off the underlying positions. Cheaper than full payoff but you still owe the originals. Use as a bridge to a term loan or SBA refi.
The lender script
Don't lead with 'I'm stacked.' Present clean trailing 3-month bank statements, an honest debt schedule, and the use of proceeds for the consolidation. Lenders fund operators with a recovery plan, not a panic.
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