MCA Roll Up into One Term Loan
Turn multiple daily MCA drafts into one structured repayment plan.
Consolidate multiple advances into one term loan where available
An MCA roll up uses a new business term loan to pay off multiple merchant cash advances when the business qualifies for replacement financing. The goal is to move from several daily ACH drafts to one scheduled payment that is easier to track and plan around.
Book a Request An Appointment to review whether your MCA stack may qualify for a term loan roll up.
Why Stacking MCAs Can Backfire
Fast approvals can make another MCA seem useful, but overlapping drafts may overwhelm revenue when cash flow slows.
What to Watch Out For
Payment Clashes
Several funders may draft the account on the same day, leaving little room for operating expenses.
Escalating Fees
Each added MCA can increase the total repayment burden and reduce cash available for the business
Credit Score Damage
Missed drafts, returned payments, or account issues may affect future financing reviews
Frozen Bank Accounts
Legal action, UCC filings, or enforcement steps may create account and financing problems after default
How We Replace the Stack with One Loan
4 Step Roll Up Process
Here’s how we review your MCA stack and work toward a single repayment path
01.
Free Debt Assessment
We review contracts, bank statements, draft history, revenue, and existing payoff demands.
01.
Lenders Review & Approve
Term loan partners evaluate the file and decide whether funding terms can be offered.
02.
03.
Closing & Payoffs
Approved funds are applied to MCA payoff amounts, and payoff records are requested.
01.
Ongoing Support
We help organize the payment calendar and answer questions about the new repayment schedule.
04.
Benefits of an MCA Roll Up
Rolling several MCAs into one term loan may replace multiple daily drafts with one scheduled payment, subject to approval
Ready to Take Control of Your Repayments?
Book A Call
MCA Roll‑Up FAQs
Five questions business owners often ask before consolidating stacked advances
