MCA Bailout
Consolidate and refinance high-cost merchant cash advances into a single, manageable payment.
LOAN RANGE
$20K – $7M
TURNAROUND
24–72 hours
Best for business owners trapped in multiple high-cost merchant cash advances who need to reduce daily payments and restore healthy cash flow.
About MCA Bailout
An MCA Bailout is a specialized refinancing program designed to help business owners escape the cycle of high-cost merchant cash advances. When businesses stack multiple MCAs, the combined daily or weekly payments can consume a significant portion of revenue, leaving little room for operations or growth. An MCA Bailout consolidates those existing advances into a single, lower-cost financing arrangement with more manageable payments.
The program works by paying off your current MCA balances in full and replacing them with one structured repayment plan. Instead of multiple daily debits totaling thousands of dollars, you make a single payment at a reduced rate. Most borrowers see their total daily or weekly obligation drop by 40% to 60%, immediately freeing up cash flow for payroll, inventory, and day-to-day expenses.
Slate Financial partners with lenders who specialize in MCA workouts and consolidation. Our team reviews your existing MCA contracts, calculates your current cost of capital, and structures a bailout that reduces your overall burden while providing the breathing room your business needs to recover and grow.
How It Works
- 1Submit your application along with your current MCA contracts, recent bank statements, and a voided business check so we can assess your total outstanding obligations.
- 2Our underwriting team analyzes your daily or weekly MCA payments, remaining balances, and business revenue to determine the optimal consolidation structure.
- 3We present you with a bailout offer that details the new single payment amount, term length, and total savings compared to your current MCA stack.
- 4Upon acceptance, funds are disbursed to pay off each of your existing MCAs directly, and your new consolidated payment begins on the agreed-upon schedule.
- 5Your previous MCA lenders confirm payoff and release their UCC liens, leaving you with one manageable obligation and improved cash flow.
Who Qualifies
- Businesses with one or more active merchant cash advances they want to consolidate
- Minimum 6 months in business with consistent monthly revenue
- Average monthly revenue of at least $15,000 in business bank deposits
- No open bankruptcies (prior discharged bankruptcies may be acceptable)
- Business must demonstrate ability to service the new consolidated payment
Typical Terms
| Loan Amount | $20,000 - $2,000,000 |
| Term Length | 6 - 24 months |
| Payment Frequency | Daily, weekly, or bi-weekly |
| Factor Rate | 1.15 - 1.35 |
| Time to Fund | 24 - 72 hours after approval |
| Prepayment Penalty | None in most programs |
Pros & Cons
Advantages
Considerations
Ready to Apply for MCA Bailout?
Fill out the application below and a funding advisor will reach out within 1 business day.
Program Highlights
Required Documents
Have these ready to speed up your approval:
Typical Timeline
24–72 hours
Timeline begins after all required documents are received and verified.