Reverse Consolidation
Add financing to help manage existing advance payments.
Reverse consolidation adds new financing to help a business keep up with existing merchant cash advance payments. It's important to understand what it is and isn't: it provides capital to assist with your current advance payments, but it does not extinguish or pay off the existing advances. Your original advances remain in place; the new financing helps you manage them.
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 Reverse Consolidation
Reveal partner channel
- Minimum credit
- 500+ FICO
- Time in business
- 6+ months
- Monthly deposits
- $15,000+
- Financing amount
- $10,000–$500,000
- Term / structure
- 6–12 months; adds financing to assist with existing payments
- Effect on existing advances
- Does not extinguish existing advances
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
- Easing cash-flow pressure from active advance debits
- Keeping current on existing advances
- Smoothing daily or weekly payment strain
When it fits
- You have existing advances you're struggling to service
- Your monthly deposits support additional financing
- You understand the existing advances are not paid off
How it generally works
- 1You share details of your existing advances.
- 2A partner provides financing to assist with ongoing payments.
- 3Your existing advances remain in place.
- 4You use the new financing to stay current on the originals.
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 with active advance debits takes reverse consolidation to ease daily cash-flow strain while keeping its existing advances current. The original advances remain in place. Actual terms depend on the partner and underwriting.
How it compares to related products
vs. Advance Consolidation
Reverse consolidation adds financing to help manage existing payments; advance consolidation combines advances into one payment.
Learn morevs. Working Capital
Working capital is new general funding; reverse consolidation is specifically for managing existing advance payments.
Learn moreFrequently asked questions
Ready to explore reverse consolidation?
Request a funding review and we'll help confirm fit and identify alternatives. Any match is preliminary until reviewed.