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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.

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.