MCA relief & consolidation
Already stacked? Map every advance, price the real cost, and model the way out.If daily or weekly debits are choking your cashflow, map every disclosed advance, estimate the true cost behind the factor rate, and model payoff, consolidation, refinance, and restructure paths for review.
Free to use. Joining, building your file, connecting a bank, being scored, being routed to every funder whose rules you fit and comparing the offers that come back all cost nothing: no subscription, no advance fee, no invoice before funding. Financing partners pay us on funded deals and card issuers pay on approved accounts. Whatever our compensation is on your deal is printed on the offer, in dollars, before you accept it.
What mca relief & consolidation asks of you
Who qualifies, what a funder wants to see, the ranges to expect, and the order it happens in.
The checklist below, already half answered. Anything the connected account proves is never asked for on paper.
Owners carrying one or more active advances who want the real cost and their exit options before talking to anyone.
- Owners carrying one or more active merchant cash advances
- Works for a single advance or a full stack
- Most accurate when paired with recent statements
- Each advance agreement and current balance
- Daily or weekly debit amounts
- Recent business bank statements
- Any payoff or settlement letters you hold
- What we surface
- effective cost and true payoff
- Paths modeled
- consolidate, refinance, restructure, payoff
- Free calculator
- price your stack in minutes
- Enter each advance in the free calculator
- See effective cost and total remaining
- Compare payoff, consolidation, and refinance math
- Bring the numbers into a review when you are ready
- Read each agreement and your statements, then surface the true effective cost behind the factor rate and the total still owed
- Model the math on payoff, consolidation, refinance, and restructure so you see the numbers before you talk to anyone
- Route a prepared file to every funder whose rules it clears once accounts open, or only to the ones you tick if you narrow the list
- A funder provides and prices the actual consolidation, refinance, or payoff, and approves it on their terms
- Whether a cheaper exit exists depends on your numbers and the approval rules of the funder, not on us
- Consolidation
- Refinance to lower cost
- Negotiated restructure
- Payoff sequencing
Upload the contract and New Matrix AI pulls the parties, factor rate, term, payment and pull frequency, fees, personal guarantee, confession of judgment, and UCC language. Every field sits beside the exact sentence it came from, and anything the document does not say comes back empty instead of guessed. It is an extraction to verify against your own copy, not legal advice.
How to read an MCA contract yourself- The pricing calculator and the statement analysis are free and live today; a funded consolidation or refinance opens with the platform and depends on a funder approving it
- A cheaper path is not guaranteed; when the math says the stack you hold is already the cheapest exit, it says so
- We are not a debt-settlement service and never tell you to stop paying a lawful obligation
- Effective cost is an estimate from what you enter and upload, not a quote, and it is only as accurate as the inputs
- This is not legal advice
Funding routes depend on your consent, the file review, and lender availability. Final terms always come from the lender.
Start with the free front door
Start with a free profile. The platform shows likely paths, missing evidence, and the numbers behind each option before you apply.