Restructure stacked business debt into one manageable payment — without harming your standing with current lenders.
Built for over-leveraged operators juggling multiple MCAs, term loans, or short-term advances that are strangling cashflow. We consolidate qualifying business debt into a single, lower payment on longer terms — freeing up working capital while you continue to honor your existing obligations in good standing. This is NOT third-party debt settlement, negotiation, or a workout program. No lenders are asked to take a haircut, no payments are withheld, and your business credit stays intact.
Consolidation Size
$50,000 – $2,000,000
Payment Reduction
Up to 55% Lower
Term
12 – 36 Months
Structure
One Payment, One Lender
Credit Standing
Preserved — Not Settled
Funding Time
5 – 10 Business Days
01
Debt schedule review — we map every active balance, factor rate, daily/weekly debit, and payoff.
02
Cashflow analysis using 3–6 months of bank statements to size a sustainable single payment.
03
Consolidation offer issued: one loan, one payment, longer term, lower daily impact.
04
Payoffs wired directly to existing lenders at closing — every account settled in full and in good standing.
Published research and industry data on how business loan consolidation help U.S. businesses grow.
44%
Percentage of small businesses carrying two or more outstanding financing products in 2024 — the highest reading on record and a leading indicator of cashflow distress.
Source: Federal Reserve Small Business Credit Survey 2024
$0.51 of every $1
Average share of monthly revenue that stacked MCA borrowers spend servicing daily and weekly debits before consolidation, per industry underwriting benchmarks.
Source: Small Business Finance Association industry data, 2024
38% – 55%
Typical reduction in required monthly debt service after consolidating 2–4 short-term advances into a single longer-term facility.
Source: First Capital consolidation portfolio, 2023–2025
9 in 10
Consolidated borrowers who maintained on-time payment history with all prior lenders through payoff — because balances were paid in full at closing, not settled or negotiated down.
Source: First Capital internal servicing data
The scenarios below are hypothetical illustrations of how this program is commonly used. They are not actual First Capital Funding client results.
Skilled trades
HVAC contractor
Consolidated four MCAs pulling $6,800/week into a single 24-month facility at $9,200/month — freed $18k/month of cashflow, kept every original lender paid to zero balance in good standing.
Hospitality
Multi-unit restaurant group
Stacked three advances totaling $410k. Consolidated into one 30-month term loan, cut daily debits entirely, and reopened a paused expansion location within 60 days.
Logistics
Regional trucking fleet
Rolled two MCAs and a high-rate equipment note into a 36-month consolidation — reduced monthly service by 47% and preserved bank LOC relationship for future working capital.
Hypothetical examples for illustration only — not actual client outcomes. Individual results vary and no outcome is promised.
One application, one desk. A funding advisor will review your file and return offers tailored to your business.