What is Consolidation & Recapitalization?
Debt refinancing lets you replace high-cost debt (like merchant cash advances, expensive term loans, or multiple loan payments) with a single, more affordable financing solution. It's designed to free up cash flow, reduce monthly payments, and give your business breathing room to grow.
| Typical Amount | $250,000 - $10,000,000 |
| Cost | Prime + 3% to Prime + 8% |
| Funding Timeline | 10-20 business days |
| Best For | Businesses trapped in MCA debt cycles, Companies with multiple overlapping loans, Refinancing expensive equipment loans, Cleaning up the balance sheet before growth, Reducing monthly debt service to improve cash flow |
How It Works
When your business is burdened by high-cost debt—whether it's merchant cash advances (MCAs), expensive equipment loans, or overlapping credit lines—debt refinancing provides a path forward. We help you consolidate and restructure debt into more manageable terms, often reducing your total cost of capital while freeing up working capital for growth. This solution is ideal for businesses trapped in daily or weekly MCA payments, facing renewal at high rates, or simply wanting to clean up their balance sheet.
Key Features & Benefits
Consolidate multiple loans into one payment
Refinance MCA debt with better terms
Reduce monthly payments by 30-50%
Cash out additional working capital
Options from $250K to $10MM+
Close in 10-20 business days
Asset-based and cash-flow options available
Rates & Terms
| min Amount | $250,000 |
| max Amount | $10,000,000 |
| interest Rate | Prime + 3% to Prime + 8% |
| annual Cost Range | 10-16% |
| closing Timeframe | 10-20 business days |
| typical Savings | 30-50% reduction in monthly payments |
Consolidation & Recapitalization - Common Questions
Get answers to the most common questions about consolidation & recapitalization
Who Qualifies?
minimum Revenue: $1MM+ annually
minimum Time In Business: 2+ years preferred
minimum Credit Score: 550+ (some exceptions)
required Assets: AR, Inventory, Equipment, or Real Estate helpful
Other Funding Solutions
Asset-Based Lending
Asset-Based Lending (ABL) is a flexible credit line that lets you borrow against your company's assets like accounts receivable, inventory, equipment, and real estate. Instead of focusing heavily on credit history, ABL lenders evaluate the value of your collateral.
Learn More →Invoice Financing
Invoice factoring (also called AR financing) is when you sell your unpaid B2B invoices to a factor for immediate cash. Instead of waiting 30-90 days for customers to pay, you get 75-95% of the invoice value within 24-48 hours. As customers pay, the borrowing automatically decreases—making it self-liquidating.
Learn More →Working Capital Loans & LoC's
A working capital loan is short-term financing that helps businesses cover day-to-day operational expenses: payroll, inventory, accounts payable, rent, etc.
Learn More →