Advance Consolidation
Combine multiple existing merchant cash advances into one payment.
If your business is juggling several merchant cash advances (MCAs) with frequent, separate debits, advance consolidation combines those existing obligations into a single payment. It's designed to simplify cash-flow management when multiple advances are stacking up. Consolidation may restructure how you repay; it does not guarantee lower total cost, and the outcome depends on the partner and your existing advances.
Minimum Requirements & Program Details
These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.
Reveal Advance Consolidation
Reveal partner channel
- Minimum credit
- 500+ FICO
- Time in business
- 6+ months
- Monthly deposits
- $15,000+
- Existing advances
- At least two
- Financing amount
- $20,000–$1,000,000
- Term / structure
- Single consolidated payment; existing obligations may be combined
Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.
Common uses
- Multiple stacked merchant cash advances
- Simplifying frequent daily or weekly debits
- Reducing the number of active advance payments
- Freeing up daily cash flow
When it fits
- You have at least two existing advances
- Your monthly deposits support a consolidated payment
- You want fewer, more predictable debits
How it generally works
- 1You share details of your existing advances.
- 2A partner structures a single facility to combine them.
- 3Existing obligations may be paid off or restructured.
- 4You make one consolidated payment going forward.
Factors funding partners may consider
- Number and balance of existing advances
- Monthly deposits and cash flow
- Time in business
- Credit profile
Documents to prepare
We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.
Initial Review
- Signed application
- Three months of business bank statements (four for California)
Additional Underwriting & Closing
- Existing financing details for each advance
- Payoff letters or balance confirmations as required
- Personal identification and voided business check
Curious whether this fits your situation?
Request a review — we'll confirm fit and suggest alternatives if another product suits you better.
Illustrative scenario
A business carrying three stacked advances consolidates them into one payment, simplifying daily debits. Actual structure and total cost depend on the partner and the existing advances.
How it compares to related products
vs. Reverse Consolidation
Consolidation combines existing advances into one; reverse consolidation adds financing to help manage existing payments without extinguishing them.
Learn morevs. Working Capital
Working capital is new funding; consolidation restructures existing advances.
Learn moreFrequently asked questions
Ready to explore advance consolidation?
Request a funding review and we'll help confirm fit and identify alternatives. Any match is preliminary until reviewed.