How merchant cash advance consolidation works and when it helps

Owners paying several funders: price one pull instead.

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We work the file, not a single product.
Shopped for fit.
Sent only where it matches, and nowhere else.
You make the call.
Funders' terms in writing. Nothing moves until you choose.

Cost to apply: Nothing. Applying asks for no payment.
Credit: Ask how any credit review works before you sign.
Speed: We make no timing promise. Each funder sets its own review time.
Offers: Each one shows total payback and terms from the funder.

How we get paid SecurityApply once. We shop your file to our funder network.

How does merchant cash advance consolidation compare with other ways out?

Consolidation is one of several ways to ease a stack. Each changes something different.

Path	What happens to the old advances	Effect on the weekly pull	Main cost question
Consolidation	Paid off by the new funder	One pull, often over a longer term	Is the new total payback less than what is left on the old ones?
Renewal with one funder	That funder's balance is rolled in; others stay	Depends on what stays open	How much of the new advance is new cash?
Reconciliation request	Nothing is paid off	A pull may be adjusted to actual sales	Does the contract allow it, and how?
Stay the course	Keep paying	No change	None new

What are the two cost tests?

Run a cash test and a total cost test. They can give different answers.

The weekly cash test

Add every current pull for a week. Compare that with the one new pull. If the new pull is smaller, the week gets easier.

The total cost test

Add what is left on every old advance. Compare that with the new total payback. If the new total is larger, the easier week costs more overall. In California, the regulator describes the disclosures a provider gives with a commercial financing offer, which helps when lining up quotes (see Sources).

Payoff letters, not estimates

Each old funder issues a payoff letter with the exact amount. Estimates from statements can be off.

Discounts for paying early

Some contracts reduce the balance when it is paid early. The payoff letter shows whether that applies.

Cash left over after payoffs

Some consolidations send a small amount of cash after the payoffs. Check that figure, since it is the only new money.

When does merchant cash advance consolidation not help?

It does not help when the new total cost is far higher and the week was manageable. It also does not help if new advances follow right after, which rebuilds the stack. If payments are too high because sales fell, a reconciliation request may come first.

FAQ

Does consolidation cost more than keeping my current advances?

It can. A longer term with one pull may raise total payback even as the week gets easier. Compare the new total with what is left on the old advances.

Will consolidating affect my credit?

Before you sign, ask how any credit review works. Ask the consolidating funder too, since it sets its own steps.

How long does a consolidation take to close?

It depends on each funder and on when payoff letters arrive. No timing is promised. Having every contract and balance ready helps.

Can I consolidate if I have three open advances?

Yes, consolidation is built for that case. The new funder needs a payoff letter from each current funder. Some funders cap how many balances they will pay.

Can I take new advances after consolidating?

Some contracts limit it. Taking new ones soon after can rebuild the stack. Read the new contract's terms on more financing.

Next step

Owners paying more than one funder can apply once and list every advance. Brokers can submit a consolidation file through the partner program.

Apply once

Sources

California DFPI, Commercial Financing Disclosures: the SB 1235 disclosure page cited in the consolidation total cost test; fetched 2026-09-24.

Last updated September 24, 2026.

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