Stuck in a daily-debit cash advance? We'll help you get out.
If a slick broker buried your business in a merchant cash advance, you already know the trap — a fixed cut clawed out of every day's sales. We refinance and consolidate MCAs into a real loan with fixed, predictable payments. Risk-free to check, no credit impact.
The signs you're caught in the MCA trap
If any of these hit home, you're exactly who we built this for.
Daily or weekly debits
A fixed cut leaves your account every business day — even on slow days when you can least afford it.
You've stacked advances
One advance became two or three, and each new one just pays down the last. The hole keeps getting deeper.
The real cost is brutal
Factor rates that pencil out to 60–150%+ APR — but nobody ever showed you the APR.
You signed a COJ
A confession of judgment means they can freeze your accounts. You want out from under it.
What you're in now vs. where we take you
Same money problem — a completely different structure.
- Daily or weekly withdrawals straight from your bank account
- “Factor rates” that hide a 60–150%+ effective APR
- Stacking pressure — one advance paying off the last
- Confessions of judgment that put your accounts at risk
- A broker who vanished the moment it funded
- One fixed, predictable payment you can plan around
- Transparent, simple-interest pricing you can read
- Advances consolidated into a single clean relationship
- No confession of judgment — you stay in control
- A local Lafayette partner who picks up the phone
Three steps out of the trap
Tell us what you owe
Share your current advance balances and a few months of statements. Checking your options is risk-free and won't affect your credit.
We structure the payoff
We refinance or consolidate the advance(s) into a single real loan or line of credit — with fixed, predictable payments you can actually plan around.
You get your cash flow back
No more daily debits draining the register. One straight relationship, transparent terms, and a local team that answers the phone.
MCA payoff — straight answers
Can you really pay off my merchant cash advance?
In many cases, yes. If your business qualifies, we refinance or consolidate your existing advance(s) into a real loan or line of credit — replacing the daily debit with fixed, predictable payments. Every situation is different, so the first step is a free, no-credit-impact review.
I've stacked two or three advances. Is it too late?
Not necessarily. Stacked positions are exactly the situation we look at closely. The more open advances you have the harder it gets, so the sooner you reach out, the more options you tend to have.
Will checking hurt my credit?
No. The pre-qualification uses a soft check with no credit impact. Your credit is only pulled later if you continue into a full application and agree to it.
What does it cost to find out?
Nothing. It's risk-free to apply — no obligation, no cost, about two minutes to see where you stand.
See what it takes to get out.
Two minutes, no obligation, no credit impact. Or call a real person at (337) 344-9939.