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 match you with lending partners who pay off or consolidate advances 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 partner who picks up the phone
Three exits our lending partners actually offer
Which one fits depends on how many advances you carry, your deposits, and what you own. No exit is guaranteed — the review tells you which, if any, applies.
A fixed-term loan that pays them off
If your business has steady deposits (roughly $17,000+ a month) and one or two open advances, some term-loan programs pay those advances off at closing and replace the daily debit with one fixed payment schedule.
How the term loan works →A secured consolidation loan
Three or four positions usually need collateral behind the exit. Equity in real estate, paid-off equipment, or strong revenue can support a secured loan — first or second position — that consolidates the stack into one monthly payment.
Secured and bridge options →An SBA or bank refinance — later
SBA rules restrict refinancing merchant cash advances, so an SBA loan is rarely the first step out. It is often the second: once you're in a real loan with a clean payment history, a lower-cost SBA or bank refinance can come next.
SBA 7(a) basics →Own paid-off equipment? Equipment cash-out can raise the money to clear an advance while you keep using the equipment.
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 match your file to the exit that fits — a fixed-term loan, a secured consolidation, or equipment cash-out — and place it with a lending partner, so the advances are paid off with one predictable payment.
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?
Often, yes — through a lending partner, not by writing the check ourselves. With one or two advances and steady deposits, a fixed-term loan can pay them off at closing. With a heavier stack, a loan secured by real estate or paid-off equipment may consolidate them. Every file 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, but be realistic: three or four positions usually need collateral — real estate equity or paid-off equipment — or strong monthly revenue behind the exit. Beyond that, options get thin fast, so the sooner you reach out, the more options you tend to have.
Can I refinance my advance into an SBA loan?
Usually not as the first step. SBA rules restrict using SBA loans to refinance merchant cash advances. The more common path is a real loan now, then an SBA or bank refinance later once your payment history is clean. We'll tell you straight which applies to you.
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) 270-2036.
