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 what each path costs in total dollars, not just per month. No signup, no credit pull.
Your stack, consolidated
- Finish the current grind
- $70,000
- Refi over 24 months
- $80,662 to $90,509
The refi costs $10,662 to $20,509 more in total. The lower payment is bought with a longer term, not a cheaper deal.
- Term refi - cheapest, if credit and time in business qualify (the range above).
- Reverse consolidation - one new advance covers the stack's payments while you repay it at a lower daily. The positions stay in force. 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 covers the stack's payments and resets you to a single, lower daily while the original positions stay in force. 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 initial analysis, and this calculator do not carry a borrower referral fee. A financing partner may pay New Matrix if a deal funds; optional software subscriptions are separate.
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 cover the stack’s payments at a lower daily debit while the original positions stay in force, 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 sized to cover your existing MCA payments for a stretch while you repay it at a single, lower daily payment. Your original positions stay in force until they are collected in full, and the new advance’s cost is added to what you owe. 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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We do not bill you for the calculator, the initial analysis, or the advisor call. A financing partner pays New Matrix if a deal funds, so our compensation is part of the deal, which is why we show you total payback rather than a rate. Optional software subscriptions are separate.
You estimated it. Now see it read from your account
Getting out of a stack turns on positions you may not have counted. Connect the bank once and New Matrix reads the real figures off your statements, scores the file, and lines up the funders whose rules it clears. Free to join, no advance fees.