✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
MCA Refinance · 2026

How to Refinance or Get Out of an Expensive Contractor MCA

Stuck with a high-factor advance eating your daily deposits? Here's how contractors refinance or consolidate into lower, more manageable payments.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Contractors& trades
No collateralfor working capital

See how much your contracting business qualifies for

$25K to $5M in revenue-based funding for contractors and trades — approved on your revenue, funded in as little as 24 hours.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: If a high-factor MCA is draining your daily deposits, you can often refinance or consolidate it into a lower-cost facility — a revenue-based structure or line of credit — that cuts your daily payment and frees up cash flow. Approval leans on revenue (FICO 500+), and we can review your current advance and structure a payoff, usually within 24 hours.

Ways to escape an expensive MCA

How contractors reduce the cost and daily drag of an existing advance.

OptionWhat it doesBest when
RefinanceReplace the MCA with a lower-cost facilityRate/factor is too high
ConsolidateCombine multiple advances into one paymentYou're stacked on 2+ MCAs
Reverse consolidationLower daily payment, longer termDaily drag is unbearable
Line of credit payoffPay off the MCA, reuse the creditYou want flexibility going forward

How we help you get out

  • Review your current advance and its real cost
  • Structure a payoff that lowers daily payments
  • Consolidate multiple stacked advances into one
  • Move you to revenue-based or line-of-credit terms
  • FICO 500+ accepted; approval on revenue
  • Move quickly — often within 24 hours

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • Details of your current MCA(s)
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Can I refinance a merchant cash advance?
Yes. An existing advance can often be refinanced or consolidated into a lower-cost facility that reduces your daily payment and total cost.
What if I have more than one MCA stacked?
Multiple stacked advances can be consolidated into a single, more manageable payment, which is a common fix for contractors who took a second or third advance.
Will this lower my daily payment?
Usually yes — the goal of refinancing or reverse consolidation is to reduce the daily or weekly drag on your deposits, even if it extends the term.
Do I need good credit to refinance?
No — FICO 500+ can qualify because approval is based on your revenue and deposit history.
How fast can it happen?
We can often review your current advance and structure a payoff within 24 hours.

Escape your expensive MCA

Apply in 5 minutes with a soft credit pull. Let's lower your daily payment and free up cash flow.

Apply Now →

Figures shown are illustrative 2026 examples and vary by underwriting; actual terms are set at application. Refinancing and consolidation are subject to approval and existing-funder terms. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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Why contractors choose us

Built around construction cash flow — progress billing, slow-paying GCs, mobilization, and equipment.

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Built for contractors

GCs, subs, HVAC, plumbing, electrical, concrete, roofing, excavation — we understand construction cash flow.

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Funded in 24 hours

Mobilize a new job, make payroll between draws, or buy materials — decision in as little as 4 hours.

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Approved on your revenue

500+ FICO accepted. We underwrite on your deposits and receivables, not just your credit score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your contracting business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute