Reverse Debt Consolidation
Are multiple MCA (Merchant Cash Advance) repayments putting a constant financial strain on your small business?
You may find relief in a reverse consolidation program. Essentially a savings vehicle, this flexible financing tool extends the time required to repay your multiple merchant cash advances — helping free up your cash flow on a more regular basis.
>> Click Here To Inquire About Reverse Consolidation For Your Business <<What is a Reverse Consolidation?
Reduce your MCA repayments
Managing multiple cash advances can be incredibly challenging on a small business’ cash flow, especially when a significant portion of their monthly profits must go toward repayments. However, a reverse consolidation can help lessen that ongoing financial strain.
Under a reverse consolidation, multiple (2+) MCAs are combined into a single savings program. The lender provides a weekly sum to the small business, which is then used to repay the MCAs. Compared to what they would have paid out-of-pocket, small businesses can enjoy lower weekly repayments reduced by 25-50%.
Eg. With $3,000 per week (~$12,000 per month) in total MCA payments, this could mean freeing up as much as $6,000 per month (or $1,500 per week)!
In essence, a reverse consolidation enables smaller repayments over a longer repayment period. The impact is an immediate increase in net cash each week savings that can go directly back into the small business’ own resources.
How Does Reverse Consolidation Work?
Here’s what you can generally expect:
- Multiple MCAs are combined under one RC program
- Receive a weekly deposit (aka disbursement) from FullyFundable’s investors
- Use the weekly disbursement to repay the MCA lenders
- Repay a new lower daily or weekly payment
- Continue receiving weekly disbursements until all MCAs are paid in full
- Finish paying off investors in a single payment for the remaining term
Benefits of a Reverse Consolidation for Small Business Owners
More access to cash, improved cash flow
If your business has multiple merchant cash advances to repay on a regular basis, you can quickly, and frequently become strapped for cash. This is especially true when sales aren’t performing as well as expected. But with a reverse consolidation, you can more easily settle outstanding MCAs while maintaining a healthy flow of capital across your operations.
“Buy” yourself more time
With a reverse consolidation, your MCAs are not eliminated — you will still have to pay off the full amount on them, but by lengthening your overall repayment term, a reverse consolidation provides substantially more breathing room, and more time to pay your MCAs in full, versus the original repayment timeline.
Significantly decrease your weekly repayments
A small business with outstanding debts to multiple MCAs must regularly make separate payments to ensure each advance is paid back on time. By seeking a reverse consolidation, you can stretch out those repayments—and consequently, pay less per week—while still working towards satisfying the full debt amount over time.
Improve business credit
Reverse consolidation allows businesses to significantly improve their credit rating if they can make timely payments and successfully pay off their financing. Plus, after paying off your MCAs in full, FullyFundable can offer business capital at preferential rates.
Achieve greater financial management
No more struggling, no more stress, and no more overextending your business finances. With a reverse consolidation, you can count on having the funds you need each week to repay your MCAs. This more manageable approach to repayments allows your business to get into a better place financially for day-to-day operations, as well as for paying off debt.
Terms
- Borrow up to $5M
- Factor rates as low as 1.30
- Application approval within 24 hours
- Receive funding within 24 hours of approval
- Term period up to 20 months
- No collateral or personal guarantee needed
Qualifications
- Credit: 500+ FICO
- Minimum Time In Business: 1 year
- Available in all 50 States
- Restricted industries: cannabis, debt settlement, trucking
Inquire About a FullyFundable Reverse Consolidation Today
With FullyFundable, the road to responsible alternative funding is simple and fast:
- Complete our Reverse Consolidation Inquiry form
- Await response from FullyFundable advisory team via email, phone, or text
- Provide 3 months recent business bank statements and debt schedule
- Receive approval/offer within 24 hours (often as little as 3-4 hours)
- Submit additional documentation, as requested
- Receive weekly direct deposits starting immediately!
Reverse Consolidation:
Myths vs. Reality
Myth #1: Reverse Consolidation is just another MCA.
Reality: Unlike a new MCA, Reverse Consolidation is structured to reduce daily/weekly cash outflow by up to 50%. It’s not designed to stack debt — it’s designed to stabilize cash flow and keep the business alive and empowered to thrive.
Myth #2: It doesn’t eliminate debt, so it’s pointless.
Reality: While Reverse Consolidation doesn’t immediately pay off MCAs — elimination isn’t the goal. For businesses owing on multiple advances, the real crisis is daily payments draining cash flow. Reverse Consolidation buys time and liquidity so the business can operate, recover, and become “bankable” again.
Myth #3: It makes things worse by adding more debt.
Reality: The total repayment cost may increase (also may decrease or stay the same, case by case), but the cost of doing nothing is far higher: default, lawsuits, destroyed credit, and often bankruptcy. Reverse Consolidation is about survival and stabilization — a bridge until permanent solutions are possible.
Myth #4: Businesses usually default on Reverse Consolidations anyway.
Reality: Unfortunately, defaults can happen when businesses use any type of debt as a crutch without making changes and operating efficiently. But paired with revenue growth and/or expense optimization, Reverse Consolidation provides the runway needed for a turnaround. Without Reverse Consolidation, many of these businesses wouldn’t survive long enough to attempt one.
Myth #5: SBA or bank loans are better alternatives.
Reality: As of June 1, 2025, SBA lenders cannot refinance MCA debt. And most traditional banks view any business with MCA debt as a high risk, in general. For MCA-burdened businesses, there is no conventional alternative. Reverse Consolidation is often the only viable path short of bankruptcy.
Myth #6: Only shady lenders offer Reverse Consolidation.
Reality: Like in any industry, there are bad actors. But reputable providers (such as those vetted by and partnered with FullyFundable) structure Reverse Consolidations responsibly, with clear terms and the specific purpose of reducing payment stress. Transparency + stabilization = legitimacy.