Stacked MCA payments draining your cash flow?
Answer a few questions about your advances and we’ll match you with an MCA debt consolidation specialist who can restructure them into one payment your business can carry, or pay them off with a consolidation loan. It’s free to you and there’s no obligation.
- Save on the total you owe across your advances
- Consolidate multiple MCAs into one payment
- Aim to free up working capital so you can keep operating
- Get matched with specialists in MCA debt consolidation
We match you with a consolidation partner experienced with businesses in your industry and with your level of debt.
Lighter Payments is a free matching service, not a lender or debt consolidation company. Savings and results vary by business and funder; not every business will qualify, and no specific reduction in payments or balance is guaranteed.
Does this sound like your business?
MCA debt consolidation is built for owners who took on more than one advance and are now feeling the squeeze.
Two or more positions
You’ve stacked advances and the debits now overlap.
Daily debits eat payroll
Withdrawals hit before you can cover staff, rent or inventory.
Renewal cycle
You keep renewing just to stay current on the last advance.
Considering another advance
Look at consolidation before adding another position to the stack.
How it works
- 1
Tell us about your MCAs
Share how many positions you have, your balance and your revenue. It takes about a minute.
- 2
Get matched
An MCA debt consolidation specialist reaches out, usually by phone the same business day.
- 3
Review your options
The specialist explains which option fits, a restructured payment plan or a consolidation loan, with the costs and timeline in writing. You decide whether to move forward.
Straight answers, up front
Here’s how our matching service works and how we’re paid.
Common questions
What is MCA consolidation?
It’s a way to deal with several merchant cash advances at once. Depending on your situation, that can mean restructuring your advances into a single, more manageable payment plan, or a consolidation loan that pays them off so you make one payment to one lender. The specialist you’re matched with will explain which fits.
Who are you, and who will contact me?
Lighter Payments is a matching service. After you submit the form, a partner from our Partners page may call, text or email you. You’re never obligated to work with them.
Will this hurt my credit?
Submitting this form doesn’t involve a credit check. A partner may ask permission to review your credit later in the process; ask them before you agree.
How much does it cost?
Our matching service is free. Your consolidation partner’s fees or loan costs vary, and you’ll get the full cost in writing before you sign anything.
How fast will I hear back?
Usually within one business day. Timelines depend on the option you choose and your funders.
Who qualifies?
Partners generally look for an operating business with at least one active MCA and steady monthly revenue.
See what’s possible for your business
Free, no-obligation match with an MCA debt consolidation specialist.