MCA LOAN CONSOLIDATION

Reduce Your MCA Payments by Up to 50–80% — Consolidate Multiple Advances Into One Affordable Monthly Payment (No Hard Credit Inquiry)

Request MCA Loan Consolidation Review

✔ Soft Credit Pull • ✔ No Obligation • ✔ Nationwide Programs Available

 

Reclaim Your Cash Flow. Regain Control. Grow Your Business Again.

Thousands of business owners across the U.S. are overwhelmed by daily or weekly MCA withdrawals, stacked advances, and aggressive repayment structures. Federal National Funding Capital Group has launched a National MCA Consolidation Program to help businesses break free from this cycle and convert predatory MCA debt into long-term, stable financing.

With Same-Day Decisions, programs for 575+ FICO, and funding up to $10,000,000, our consolidation program delivers immediate relief and a clear path back to financial stability.

What Is MCA Consolidation?

Merchant Cash Advance (MCA) loans are high-cost financing tools that withdraw payments daily or weekly, often using factor rates instead of APR. While fast, MCAs create extreme cash-flow pressure and are known for stacking, where multiple MCAs are taken to cover earlier advances.

MCA consolidation replaces all outstanding advances with one structured, affordable monthly payment — giving business owners room to breathe.

 

The MCA Debt Crisis 

According to the Federal Reserve’s Small Business Credit Survey.  

Source: https://www.fedsmallbusiness.org/survey

  • 52% of small businesses struggle with debt management

  • MCA loans are one of the highest-risk debt types

  • Many borrowers resort to multiple stacked advances to stay afloat

The Consumer Financial Protection Bureau (CFPB) also warns that MCA terms often lack transparency.

Source: https://www.consumerfinance.gov/

And the Small Business Administration (SBA) emphasizes that unclear financing structures can severely disrupt long-term planning. 

Source: https://www.sba.gov

This program was created to solve exactly this problem.

Program Benefits — How We Reduce Payments by Up to 50–80%

✔ Consolidate All MCA Loans Into One Monthly Payment

Stop multiple withdrawals from draining your business daily.

✔ Immediate Cash Flow Relief

Reduce payment pressure by Up to 50–80% based on current obligations.

✔ No More Daily or Weekly Payments

Switch to predictable, stable monthly terms.

✔ Stop MCA Stacking

Break the cycle of taking new advances to cover old ones.

✔ Terms Up to 5–10 Years

Longer amortization reduces financial strain.

✔ Qualify With 575+ FICO

We evaluate cash flow, bank statements, and business performance, not just credit.

✔ Funding Capacity Up to $10,000,000

For both small businesses and mid-sized companies.

✔ Same-Day Decisions & Fast Approvals

Built for businesses in urgent situations.

Who Qualifies for MCA Consolidation?

You may qualify if your business:

  • Has 1+ MCA loans

  • Has daily or weekly payments causing cash-flow strain

  • Has stacked advances

  • Generates $15,000/month or more in revenue

  • Has been in business 6 months or longer

  • Shows consistent deposits in bank statements

You do NOT need:

  • Perfect credit

  • Collateral (unsecured options available)

  • Tax returns

  • A high FICO score

Programs available for 575+ FICO.

Why Choose Federal National Funding Capital Group

✔ Nationwide MCA Consolidation Experts

We specialize in restructuring high-cost MCA debt into long-term stable solutions.

✔ Ethical, Transparent Lending

Clear terms. No hidden fees. Responsible underwriting.

✔ Higher Approval Rates Than Banks

Flexible bank-statement qualification programs.

✔ Dedicated MCA Advisor for Every Client

You’ll never feel alone — your advisor guides you through every step.

✔ Trusted by Thousands of Business Owners Across the U.S.

From construction to retail to transportation and medical, our clients rely on us to navigate complex MCA situations.

Real Business Impact: What Consolidation Can Do for You

Our MCA consolidation clients typically experience:

  • 50–80% lower payments

  • Elimination of multiple stacked MCAs

  • Immediate stabilization of cash flow

  • Reduced operational stress

  • Ability to hire, expand, or restock inventory

  • A pathway back to traditional financing

How the Process Works (Simple 3-Step Flow)

1. Apply or Prequalify (No Impact to Credit)

Submit basic business information & bank statements.

2. Receive a Custom MCA Consolidation Offer

We analyze your current MCAs and provide a structured solution.

3. Choose Your Plan & Consolidate

Daily withdrawals stop, and your new monthly payment begins.

Get Started Today — No Credit Impact


Request MCA Loan Consolidation Review

✔ Soft Credit Pull • ✔ No Obligation • ✔ Nationwide Programs Available

 

Speak with an MCA Specialist:
1-800-774-3056

 Email: info@federalnationalfunding.com

Frequently Asked Questions 

Will this stop daily MCA withdrawals?

Yes — once consolidation is finalized, daily payments are replaced with a single monthly payment.

Can you consolidate multiple MCAs?

Yes. We specialize in restructuring stacked advances.

Does this affect my credit?

Prequalification does NOT impact credit.

What if my credit score is low?

We accept 575+ FICO and evaluate cash flow over credit score.

How fast is the process?

Same-day decisions with funding in 24–72 hours.

Take Control of Your MCA Debt Today

Get relief, restore cash flow, and protect your business.

Request MCA Loan Consolidation Review

✔ Soft Credit Pull • ✔ No Obligation • ✔ Nationwide Programs Available


Call: 1-800-774-3056