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 debt 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
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.
Composite outcomes based on client engagements; individual results vary.
One application, one desk. A funding advisor will review your file and return offers tailored to your business.