MCA Refinance: 3-Year Term, 10-Year Amortization

Refinance your MCAs into one lower monthly payment

Let your business breathe and grow again. Replace daily and weekly merchant cash advance debits with a 3-year loan on a 10-year amortization. Payments average about $2,400 a month per $100K, so more cash stays in the business, your financials improve, and you're set up to qualify for an SBA 7(a) loan to take it out in a few years.

What it can do for a business

Example: two MCAs totaling $569,000

MCA payments today$50,000 / month

On this program, if approved~$12,000 / month

Illustration only, based on a recent client. Your payment depends on the amount refinanced, your rate and approval.

How the program works

MCAs are expensive and their daily or weekly debits drain cash flow, which makes the business look weaker on paper than it is. This program pays off your advances and replaces them with one loan:

3-year term, 10-year amortization. Payments are calculated over 10 years, so they're far lower than your MCA debits. The remaining balance is due at the end of year 3.
Built for the next step. With less cash lost to MCA costs, your bank statements, P&L and tax returns get stronger, so the business can qualify for an SBA 7(a) loan that takes this loan out, usually within a few years.
Underwritten like an SBA 7(a) loan from day one. We collect the same package an SBA lender needs, so the takeout is faster when you're ready.

Terms at a glance

Use	Pay off and consolidate merchant cash advances and similar short-term business debt
Term	3 years
Amortization	10 years (balance due at maturity)
Payment	Monthly; averages about $2,400 per $100K borrowed
Exit	Refinance into an SBA 7(a) loan, usually within a few years
Documentation	Full SBA 7(a) package (below)

Let the business breathe and grow again

High-interest debt always restricts growth. Every dollar that goes to daily MCA debits is a dollar that can't hire, stock inventory, market or open the next location. Lower the payment and that cash goes back to work.

Where the money goes each month

Example client: two MCAs totaling $569,000.

MCA payments today$50,000

On this program, if approved~$12,000

MCA debitsNew monthly paymentCash back in the business

~$38,000 a monthback in the business: about $456,000 a year to grow with.

Hire & keep peopleMake payroll without watching the daily debits.

Inventory & equipmentBuy ahead and take bigger orders.

MarketingInvest in the customers that drive revenue.

ExpansionA new location, route or product line.

Why high-interest debt holds a business back

It takes cash before you can use itDaily and weekly debits come out first, before payroll, rent and suppliers, so the business runs on what's left.
The cost compoundsFactor rates on short MCAs work out to a very high effective cost, and renewing or stacking advances to cover payments makes it worse.
It blocks better financingHeavy debits and thin margins on your bank statements and P&L make banks and SBA lenders say no.
There's nothing left to grow withOpportunities that need cash (a big order, a hire, a second location) get passed up.

This program breaks the cycle: one payment spread over 10 years, more cash kept every month, and stronger financials that open the door to an SBA 7(a) loan.

See what my payment could be

What you'll need

Everything an SBA 7(a) lender requires, so this loan can be taken out by an SBA loan later. Your online application builds this checklist for you and you upload each item to your secure file.

Owners (20% or more)

Photo ID and credit authorization
SBA Form 1919 (Borrower Information Form)
Personal financial statement (SBA Form 413)
Personal tax returns, 3 years
Resume / management experience

The business

Business tax returns, 3 years
Year-to-date P&L and balance sheet
Year-end financial statements, 3 years
Business bank statements, 12 months
Business debt schedule
A/R and A/P aging

MCAs, entity & location

Every MCA agreement and a current payoff letter
Articles of organization and operating agreement or bylaws
EIN letter and business license
Lease or mortgage statement for your location
IRS Form 4506-C

From MCA payments to one monthly payment

Step 1Apply online

Tell us about the business and each MCA. It takes a few minutes and creates your secure file.

Step 2Upload the package

Your checklist lists every document. Upload from your phone or computer.

Step 3Approval & payoff

Once approved, the loan pays off your MCAs directly at closing.

Step 4Step into SBA 7(a)

With stronger financials, refinance into an SBA 7(a) loan within a few years.

MCA refinance: FAQ

Why a 10-year amortization on a 3-year loan?

Spreading the payment over 10 years keeps it low, so the business keeps more cash every month. The remaining balance is due at year 3, by which point the goal is an SBA 7(a) loan to pay it off.

Why do you need the full SBA package?

This loan is designed to be taken out by an SBA 7(a) loan. Underwriting it to the same standard now means the SBA lender has what it needs later, and it helps us size the loan the business can carry.

Can I refinance more than one MCA?

Yes. Send every open position with its agreement and a current payoff letter, and the loan can consolidate them into one payment.

What does the payment look like?

On average about $2,400 a month per $100K borrowed. For example, a business with two MCAs totaling $569,000 paying $50,000 a month could pay around $12,000 a month on this program, if approved.

Is approval guaranteed?

No. Every loan is subject to underwriting and approval, and the SBA takeout depends on the business qualifying at that time.

Refinance your MCAs into one lower monthly payment