Debt rarely arrives as a crisis. It arrives as five reasonable decisions - an equipment deal here, a slow-season advance there - that now draft your account on five schedules, eat 20% of revenue, and leave you managing payments instead of the business. Consolidation is the un-tangling: one facility pays them all, leaving one payment sized to your actual cash flow.
What consolidation changes (real example)
The headline isn't always a lower rate - it's the cash-flow release. Cutting monthly debt service 40% while extending term costs some total interest and buys back the oxygen the business needs to actually grow out of the hole.
| Before (stacked) | After (consolidated) | |
|---|---|---|
| Facilities | 2 MCAs + equipment loan + card | One term facility |
| Payment schedule | Daily + daily + monthly + monthly | One weekly or monthly |
| Monthly cash out | $14,200 | $7,800 |
| Effective blended cost | 40-70% APR-equivalent | 15-28% APR |
| Term | Chaos | 18-48 months, defined end |
Who qualifies (and who's too late)
- Revenue still intact: consolidators want to see the business works minus the debt drag
- Payments current-ish: consolidation is a restructure, not a rescue from default - act while you're still paying
- Honest disclosure: every advance and loan on the table; a hidden position discovered later kills the deal
- Collateral helps: equipment or receivables backing can halve the rate on the new facility
Consolidation ≠ permission to re-stack
The fatal pattern: consolidate, feel the relief, take a 'small' new advance in month three. Now it's six positions again, minus the credibility. Consolidate once, with a written rule: no new short-term debt until the facility is 50% retired.
60-Second Funding Check
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What do you need funding for?
Judgment-free debt triage
Send the real picture - every balance, every daily draft. A Dealerun specialist maps whether consolidation, reverse consolidation, or a straight refi fits, with total-cost math shown honestly. The earlier you call, the better the terms.
Get back to one payment
Confidential review of your positions - options within a day.
FAQ
What's a reverse consolidation?+
A product for heavy MCA stacks: a new funder deposits weekly amounts that cover your daily drafts while you repay them on a longer, gentler schedule. It's a bridge out of daily-payment chokeholds - pricier than true consolidation, far cheaper than defaulting.
Will consolidation hurt my credit?+
Usually it helps within months: old positions report paid, utilization drops, and one on-time payment history builds. The application's hard pull costs a few points up front - noise against the structural improvement.
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