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Stacked MCAs · 2026

Getting Out of Stacked MCAs

Took a second and third advance and now the daily debits are unbearable? Here are your ways out.

Short answer: Contractors who stacked two, three, or more advances often can't keep up with the combined daily debits. The ways out are consolidation, reverse consolidation, or refinancing into a lower-cost facility. Contractor Capital Advance reviews your stack and structures the best exit, 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.

Ways out of a stack

Options to escape multiple advances.

OptionWhat it doesBest when
ConsolidateCombine into one paymentYou have 2–3 advances
Reverse consolidateLower the daily amountDaily drain is unbearable
RefinanceReplace with lower-cost facilityRates are too high
Line of credit payoffPay off, reuse the creditYou want flexibility

How we help

  • Review your full stack and its real cost
  • Structure the exit that fits your situation
  • Lower the combined daily payment
  • FICO 500+ accepted; approval on revenue
  • Move quickly to relieve the crunch
  • A path back to normal cash flow

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

I have three MCAs stacked — can you help?
Yes — stacked advances can be consolidated, reverse-consolidated, or refinanced to reduce the combined daily drain.
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.

Find your way out

Apply in 5 minutes with a soft credit pull.

Apply Now →

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.