MCA consolidation isn't about your credit score or how long you've been in business. It's about your business being active and having MCA debt that's making it harder to operate. That's it.
Check My Eligibility — Free →Business owners often wait too long because they believe something that isn't true. Let's clear that up.
"My credit is too bad. No one will help me."
MCA consolidation is cash-flow based, not credit-score based. We've helped business owners with personal credit scores in the 400s. Credit history is not a primary factor.
"I'm already in default — it's too late for me."
Default is not the end. It's often the beginning of a negotiation that works in your favor. Lenders in collections are frequently more motivated to settle than active lenders are.
"I don't make enough revenue to qualify."
There's no hard revenue minimum. What matters is that your business is operating and that consolidation would meaningfully improve your payment situation. We work with businesses across a wide revenue range.
"I signed the MCA contract — I'm locked in. Nothing I can do."
MCA contracts are not unbreakable. Buyout, negotiation, and restructuring are all legitimate, legal strategies used every day. The contract governs one arrangement — we create a better one.
"This will hurt my relationship with my MCA lender."
MCA lenders expect buyouts and negotiations. It's part of the industry. We handle all communication professionally, and many of our settlements preserve ongoing relationships with lenders when that matters to you.
"I'll just take another MCA to get through this month."
Stacking advances is the most dangerous path. Every additional MCA compounds your factor rates and daily withdrawal burden. This cycle typically ends in default or business closure. Stop the stack — consolidate instead.
MCA debt doesn't discriminate by industry — and neither do we. If your business operates and has MCA debt, we can likely help.
Don't see your industry? Call us — chances are we've worked with businesses like yours.
"I was three months behind and had a Confession of Judgment filed against me. I was certain it was over. They negotiated a settlement and got me into a payment plan I could actually afford."
"I had a 487 credit score and four MCAs. Every other company I called said they couldn't help. Merchant Debt Solutions got me a consolidated payment within 10 days."
"My restaurant barely made $30K a month at that point. I didn't think we'd qualify for anything. But they built a solution around what we actually had — and it worked."
Stop guessing. A 10-minute conversation is all it takes to find out exactly what's possible for your situation — no obligation, no pressure.