MCA Debt Consolidation
Replace stacked merchant cash advances with one affordable working capital loan from $25,000 to $1 million. Stop the daily ACH withdrawals and rebuild your cash flow — funded in days.
- ✓$25K–$1M loans
- ✓Cut daily payments 40–70%
- ✓FICO 550+ considered
- ✓Funded in days
Escape the Stacked MCA Cycle
One merchant cash advance tightens cash flow. A second covers the first. A third covers the first two. Before long, 30–50% of gross revenue is going out the door in daily withdrawals. MCA debt consolidation breaks the cycle: one new loan pays off every funder, and you're left with a single payment your business can actually afford.
How It Works
- We total every MCA balance, factor rate and daily payment
- You provide 3–6 months of business bank statements
- The consolidation loan pays off each funder directly — no lingering advances
- Daily ACH withdrawals stop and you make one fixed payment over 6–24 months
Program Highlights
- Loan amounts from $25,000 to $1,000,000
- Terms from 6 to 24 months — fixed payments, no daily debits
- Decisions in 24–48 hours, funding within days
- Credit scores as low as 550 considered with stable revenue
- Direct payoff to funders with UCC lien releases coordinated
Consolidation vs. Settlement
Consolidation pays your balances in full and replaces them with better terms — your banking relationships and credit stay intact. Debt settlement pays less than owed, usually requires default first, and can lead to lawsuits and levies. If your business can support a reduced payment, consolidation is almost always the safer path.
$100K
Range: $75K – $250K
Frequently asked questions
- What is MCA debt consolidation?
- MCA debt consolidation replaces one or more merchant cash advances with a single working capital term loan or line of credit. The new lender pays off each MCA funder directly, the daily ACH withdrawals stop, and you make one lower payment over a longer term.
- Can I consolidate multiple MCAs into one payment?
- Yes. A consolidation loan pays off every MCA funder in full and replaces stacked daily or weekly withdrawals with one amortizing payment. Most borrowers cut their daily cash outflow by 40–70%.
- Do I need good credit to consolidate MCA debt?
- No. Lenders underwrite consolidation loans primarily on current business revenue and bank-statement health. Northwood considers FICO scores as low as 550 when deposits are stable and the new payment is clearly affordable.
- How fast can MCA debt be consolidated?
- Most consolidation files are decisioned in 24–48 hours and funded within a few business days. The daily MCA withdrawals stop as soon as the payoff wires land.
- Is consolidation better than MCA debt settlement?
- For businesses that can still afford a reduced payment, yes. Consolidation pays balances in full and preserves banking relationships. Settlement pays less than owed — usually after default — and can trigger lawsuits, UCC liens and credit damage.
- What if I'm already behind on MCA payments?
- Act immediately. Once a funder files a UCC lien or levies your bank account, consolidation options narrow quickly. Call us — even in default there may be paths, but they shrink by the day.
Stop the Daily Withdrawals.
Talk to a Northwood consolidation specialist. Most files are decisioned same day.
- ✓ $25K–$5M available
- ✓ Funded in 2–5 business days
- ✓ All credit profiles considered
- ✓ No upfront fees, no prepayment penalties