Reverse Consolidation
Lower your daily payments without paying off your current advances upfront
Reduce daily ACH stress by 20–50%
Keep existing advances open
Receive additional working capital
Close quickly – usually within a few business days
Lower your daily payments without paying off your current advances upfront
What Do You Need To Qualify?
You must have at least 2 open MCA positions with $20,000 or more in total balance
Minimum credit score required for most reverse programs
Must have existing advances with on-time payment history.
Reverse consolidation helps reduce your daily or weekly payment burden without paying off your current advances. Instead of stacking another position, a new funder provides capital and sends payments to your existing advance companies on your behalf. You make one simplified, lower daily payment—freeing up cash flow and extending your runway.
Complete our quick online application and get matched with offers fast.
Keep your current advances open—no need to pay them off or refinance.
Get additional working capital included in most reverse consolidation offers.
Get through underwriting quickly and receive funds soon after approval.
With Our 5-star reviews, our business financing experts will work with you to solve your business challenges.
We use AI to streamline funding – get a quick decision and flexible loan options that fit your business.
Choose an offer that makes the most sense for you and your business. Compare offer terms and choose what works best.
Choose an offer that makes the most sense for you and your business. Compare offer terms and choose what works best.
Loans offered through our partners may range from $10,000 to $500,000, with typical repayment terms of 6 to 12 months. Rates and offers depend on your creditworthiness and lender criteria; specific terms will be provided during the application process.
Reverse consolidation allows you to reduce your daily or weekly payments without paying off your current balances. A new provider sends payments to your existing funders while you make one simplified payment. Most offers include additional working capital, and renewals are usually available only after 50% of the balance is paid down.
Reveal Lending does not charge fees for our services. All loan terms, rates, and fees are determined by the lender. Approval and funding are subject to lender terms and conditions.
Getting started is simple!
Complete our streamlined application in minutes and upload your business documents with zero risk. Check Eligibility
Compare offers with expert guidance from our team and choose the best one for your needs.
Seize growth opportunities or tackle new challenges with confidence and immediate support.
Refinancing pays off your balances. Reverse consolidation keeps your current advances open while covering their daily payments through a new, lower payment structure.
No. Reverse consolidation allows you to keep your existing positions open without paying them off upfront.
Most reverse consolidation offers include 10–25% in additional working capital based on the strength of your cash flow and advance history.
Reverse deals often fund within a few business days after submission and approval of documents.