Rate & Factor Fee Re-Amortization
Turn high MCA factor fees into payments your business can manage
Restructure MCA fees into smaller, more manageable payments
Factor fee re-amortization is the process of reviewing a merchant cash advance’s fixed repayment cost and negotiating to spread payments over a longer schedule.
Instead of carrying heavy daily drafts, the business may be able to move toward weekly or monthly payments, depending on the agreement, funder, and financial position.
Book a Request An Appointment today and take the first step toward reducing daily repayment pressure.
Why Ignoring Factor Fees Can Backfire
Merchant cash advances can appear straightforward, but high factor costs and short repayment terms may create serious cash flow strain when revenue slows.
What to Watch Out For
Immediate Cash Crunch
Large daily drafts can leave the business short on working capital.
Rising Effective Cost
Short repayment terms can make the total cost of funding feel much heavier.
Stacked MCA Debt
High repayment pressure may push business owners toward additional advances.
Limited Business Growth
Cash tied to MCA payments cannot be used for staffing, inventory, repairs, or marketing.
How We Break the Cost Spiral
Our 4‑Step Re‑Amortization Process
Here’s how we review MCA payments and work toward a more manageable repayment structure
01.
Free Debt Assessment
We review agreements, statements, balances, and draft history to identify costly repayment terms.
01.
Lender Outreach Begins
We contact funders to discuss repayment pressure and present a revised payment request.
02.
03.
Fees Are Re Amortized
Where approved, payments may be moved into weekly or monthly drafts to reduce daily pressure.
01.
Continued Support
Final documents are reviewed, payment changes are tracked, and questions are addressed.
04.
Benefits of Factor Fee Re-Amortization
Re-amortizing the factor fee may spread MCA repayment over a longer schedule, helping reduce daily draft pressure and protect working capital.
Ready to Trim Your Factor Fees?
Book A Call
Factor‑Fee Re‑Amortization FAQs
Most‑searched questions owners ask before renegotiating MCA fees
