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MCA Consolidation · 2026

Contractor MCA Consolidation

Juggling two or three advances? Consolidate them into a single, more manageable payment.

Short answer: If you're paying multiple stacked advances, MCA consolidation combines them into one payment — usually lowering the total daily drain on your deposits and freeing up cash flow. Contractor Capital Advance reviews your current advances and structures a payoff, FICO 500+, often within 24 hours.

Reviewed by the Contractor Capital Advance Funding Team · Updated July 2026

How funding works, step by step

From application to funding in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

Approval is based on your last 3 months of business bank statements — not tax returns or the contract.

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

How consolidation helps

Turning several advances into one.

BeforeThe problemAfter consolidation
2–3 daily debitsCash drained every morningOne payment
Different fundersHard to trackSingle facility
High combined costDeposits eaten upLower daily total
No breathing roomCan't take new jobsFreed-up cash flow

How we help

  • Combine multiple advances into one payment
  • Lower the total daily drain on deposits
  • Free up cash to take on new work
  • FICO 500+ accepted; approval on revenue
  • We review your current advances and structure a payoff
  • Move quickly — often within 24 hours

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Can I consolidate multiple MCAs?
Yes — two or more advances can be combined into a single payment, usually reducing the total daily drag on your deposits.
How fast can I get funded?
Most contractors fund within 24 hours of approval; the application takes about 5 minutes with a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and deposits.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

Consolidate your advances

Apply in 5 minutes with a soft credit pull.

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Figures and factor-rate examples shown are illustrative 2026 ranges and vary by underwriting; actual terms are set at application. A merchant cash advance is a commercial financing product, not a loan in all states. Product and company names referenced are the property of their respective owners.