See Your Way Out of the Stack.
Add your active MCAs below. We show the real monthly grind you are carrying, your three honest ways out, and how much cash the cheapest path could free up. No signup, no credit pull.
Your Stack, Consolidated.
- Term refi - cheapest, if credit and time in business qualify (the range above).
- Reverse consolidation - one new advance clears the stack and lowers the daily. Faster, costs more.
- Negotiated workout - no new money; we cut balances and stretch terms with your current funders.
Estimate only, not a quote. A New Matrix advisor confirms which path fits and the real terms, free.
How to Actually Get Out of an MCA Stack
A merchant cash advance is not a loan. It is a sale of your future revenue, repaid by a fixed amount pulled from your account every business day or every week. One advance is survivable. The trouble starts when a second, third, or fourth gets stacked on top, each with its own daily pull. The debits hit before you have made a dime that day, and the effective cost often runs far past what any bank would ever charge.
There are three real ways out, and the right one depends entirely on your file:
- Term refinance. The cheapest exit. One lower-cost loan pays off every advance and replaces the daily grind with a single monthly payment. It requires reasonable credit and time in business, so it is not open to everyone, but when it is, it is the move. The calculator above estimates this path.
- Reverse consolidation. One new advance clears the stack and resets you to a single, lower daily. It buys immediate breathing room without the credit a term loan needs. It costs more over time, so treat it as a bridge, not the finish line.
- Negotiated workout. No new money. We go to your current funders, cut balances where we can, and stretch the terms so the daily pull comes down. Best when new financing is off the table.
Before you talk to anyone, gather your last four months of business bank statements and the current payoff letter for each advance. That is everything an advisor needs to tell you which path is real for you. The call, the analysis, and this calculator are all free. You never pay us; we are paid by the lender only if a deal funds.
How do I get out of a merchant cash advance?
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There are three real exits. A term refinance replaces the advances with one lower-cost loan if your credit and time in business qualify. A reverse consolidation uses one new advance to pay off the stack and lower the daily debit, faster but more expensive. A negotiated workout cuts balances and stretches terms with your current funders when new money is not an option. The calculator on this page estimates the first path; an advisor confirms which one actually fits.
Can I consolidate multiple MCAs into one payment?
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Yes. If you qualify, a single consolidation or term loan pays off every advance and replaces the daily or weekly debits with one predictable monthly payment. Enter all your positions above to see the estimated monthly and the cash it frees up.
What is reverse consolidation?
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A reverse consolidation is a new advance that pays down or off your existing MCAs and resets you to a single, lower daily payment. It buys immediate breathing room without requiring the credit profile a term loan needs, but it costs more over time, so it is a bridge, not a cure.
Will consolidating my MCAs hurt my credit?
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Checking your options here does not touch your credit at all. Consolidating itself pays off the old advances, which can help your cashflow and standing over time. The exact effect depends on the product you use and your current file.
How much does New Matrix charge to help with an MCA?
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Nothing. Borrowers never pay us. We are paid by the lender only when a deal actually funds. The calculator, the analysis, and the advisor call are all free.