Financing product
MCA Consolidation
If stacked merchant cash advances are eating your deposits, consolidation replaces multiple positions with a single structured payment — often longer term and lower total daily pull. No guarantees on savings; every restructure is underwritten on your real statements.
Pre-qualifying won't affect your credit score.
Quick facts
- Amounts
- $25K – $2M
- Terms
- 6 – 36 months
- Pricing
- Factor rate, est. 1.20 – 1.45
- Goal
- One payment, longer runway
- Review
- Within 1 business day
- Underwriting
- Bank statements first — reviewed by a person
What can you use it for?
Consolidate positions
Roll multiple daily-debit advances into one structured payment.
Extend the runway
Longer terms can shrink the daily pull on your account.
Stop the stack
Replace the cycle of stacking a new advance to cover the last one.
Rebuild headroom
Free up daily cash so payroll and materials stop being a squeeze.
Why mca consolidation through Built Together Funding?
Best for: Businesses with 2+ advance positions squeezing daily cash flow. One application, statements-first review, and a person who walks you through the options — not a portal that ghosts you.
- One payment instead of several competing daily debits
- Longer terms can reduce total daily outflow
- A clear payoff date instead of a rolling stack
- Underwritten on statements — we see what you're actually paying
- A path back to cheaper products once positions clear
- Straight answers: if the math doesn't work, we say so
MCA Consolidation questions
Will consolidation lower my payments?
Often the daily or weekly outflow drops because the term is longer — but total cost depends on your positions and the new terms. We model it honestly before you commit, and we don't guarantee savings.
How many positions can be consolidated?
Partners commonly consolidate two to five positions. Bring statements and payoff letters; the review call is where we map it.
Will this hurt my credit?
Pre-qualifying doesn't touch your credit. Consolidation itself typically pays off existing advances, which are usually not credit-reported anyway.
See if mca consolidation fits your file.
About 4–5 minutes. A straight answer within one business day. Pre-qualification is not funding approval. Final options are subject to review, underwriting, and partner availability.
Built Together Funding Corp works with a network of funding partners and is not a direct lender or the SBA. All financing is subject to partner review, underwriting, and approval. Rates, terms, and amounts shown on this site are estimates only, vary by qualifications, and are not an offer or commitment to lend. Not all applicants will qualify.