MCA Consolidation Calculator
Stack two or three MCAs and see what a single consolidation loan would do to your daily cash burn — and what it actually costs you long term.
Your current advances
Consolidation offer terms
Cash-flow relief
Read this before you consolidate
Consolidation isn't refinancing — most "MCA consolidation" is a new, larger MCA that pays off the old ones. Your daily burn drops (good), but the total dollars you'll repay usually go up (the price of the longer term). Whether that's the right call depends on where the cash relief goes: if it funds revenue growth, it pays for itself; if it just delays the same problem, you'll be back in the same seat in 6 months.
A cheaper alternative is a true refinance into a term loan or line of credit — usually 15–35% APR instead of another 55–110% APR MCA. See MCA consolidation options and MCA refinance.
Worked example: two advances consolidated
A restaurant carrying $40,000 and $25,000 in balances, debiting $650/day combined, consolidates into a single 12-month advance at a 1.32 factor with 4% fees.
| Line item | Before consolidation | After consolidation |
|---|---|---|
| Open balances | $65,000 across 2 advances | $85,800 payback on 1 advance |
| Daily debit | $650/business day | $325/business day |
| Monthly cash out | ~$14,300 | ~$7,150 |
| Cash freed up per month | — | ~$7,150 (50% lower) |
| Extra dollars repaid overall | — | ~$23,400 (factor + 4% fees) |
| Break-even test | — | Relief must generate $23,400 of gross profit over 12 months |
That's the whole decision in one line: you are buying $7,150/month of breathing room for about $23,400. If the breathing room reliably produces more than that in gross profit, consolidate. If it doesn't, a true refinance into a line of credit is the better move.
Consolidation vs the alternatives
| Option | Typical all-in cost | Best when |
|---|---|---|
| MCA consolidation (new larger MCA) | 55–110% effective APR | You need the daily debit cut this week and can't qualify for anything cheaper |
| Term loan refinance | 15–35% APR | 600+ FICO, 12+ months in business, revenue is stable |
| Business line of credit | 18–36% APR | You want to pay off balances and keep a reusable buffer |
| Negotiated reconciliation | $0 extra | Revenue genuinely dropped — your contract may already allow a lower debit |
| Do nothing / ride it out | $0 extra | You're within 60–90 days of payoff — consolidating now just resets the clock |
What consolidators actually require
Consolidation underwriting looks at your bank statements, not your credit report. These are the thresholds most consolidators apply in 2026.
| Requirement | Typical threshold | Why it matters |
|---|---|---|
| Monthly deposits | $25,000+ | The new debit has to fit inside real cash flow, not projections |
| Advances paid down | 40–50% of each balance | Funders want the old positions close enough to buy out cheaply |
| Negative days | Under 5 per month | More than that reads as a cash-flow problem consolidation won't fix |
| Number of positions | 2–4 | Above four positions, most consolidators decline and refer to workout |
| Time in business | 12+ months | Under a year, expect a smaller advance and a higher factor |
| Credit score | Often not scored | Bank statements drive the decision; 500s are routinely approved |
If you clear those thresholds, you almost certainly also qualify for a business line of credit at 18–36% APR. Price that first — it is usually the cheaper version of the same relief.
Frequently asked questions
How much does MCA consolidation cost?
Expect a 1.28–1.45 factor rate over 9–15 months, plus 3–5% in fees. On $65,000 of consolidated balances at a 1.32 factor with 4% fees, you repay about $85,800 — roughly $23,400 more than the balances you started with, in exchange for cutting the daily debit by about half.
Do I qualify for MCA consolidation?
Most consolidators want $25,000+ in monthly deposits, 12+ months in business, 2–4 open positions each paid down 40–50%, and fewer than five negative days a month. Credit is usually not scored — bank statements drive the decision.
What is an MCA consolidation calculator?
It's a tool that adds up the balances and daily debits of every merchant cash advance you currently carry, then models a single replacement advance so you can see two numbers side by side: how much daily cash flow you free up, and how many extra dollars you repay for that relief.
Does consolidating MCAs actually save money?
Usually no — it saves cash flow, not money. A consolidation stretches the payback over a longer term at a new factor rate, so the daily debit falls (often 40–60%) while the total repaid rises. It is a liquidity decision, not a cost-cutting one. Only a true refinance into a term loan or line of credit at 15–35% APR reduces the total cost.
How many advances can I consolidate?
Most consolidators will look at two to four positions. Above four active advances, funders generally require a settlement or restructure instead of a straight consolidation, because the file no longer supports another position.
What credit score do I need to consolidate MCAs?
MCA consolidation is revenue-driven, not score-driven: 500+ FICO with $15,000+ in monthly deposits and 6+ months in business is the common floor. To refinance into a cheaper term loan or line of credit instead, you generally need 600+ FICO and 12+ months in business.
Will consolidation hurt my credit?
MCAs are not typically reported to consumer credit bureaus, so the consolidation itself rarely changes your FICO. What does show up is the UCC filing against your business, which other lenders will see and treat as an existing position when you apply for future funding.
Is consolidation the same as MCA debt relief or settlement?
No. Consolidation replaces your advances with a new, larger advance that you repay in full. Settlement or debt relief negotiates a reduced payoff with your current funders, usually after you have already missed payments, and can involve breach-of-contract exposure. They are very different paths with very different consequences.
How much daily debit relief should I expect?
Consolidating two typical advances into one 12-month position usually cuts the combined daily debit by 40–60%. The exact figure depends on the new term length far more than on the factor rate — doubling the term roughly halves the daily debit.
Related MCA calculators
- MCA cost calculator — true cost and effective APR of a single offer
- MCA early payoff calculator — what a prepayment discount actually saves
- Can't pay your MCA? — reconciliation and default options
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