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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

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Consolidation offer terms

Cash-flow relief

Current daily total
$650
~$14,300/mo
New daily debit
$325
~$7,150/mo
Monthly relief
$7,150
50.0% lower
New total payback
$85,800
+$23,400 added cost

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.

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