MCA Debt Consolidation vs Buyback — Which Saves You More in 90 Days?
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What Is an MCA Debt Consolidation Program?
A merchant cash advance (MCA) consolidation program rolls multiple advances into ONE convenient weekly draft tied to real sales activity. The goal is to restore cash flow, simplify payments, and reduce total outlay by 50–80% in many cases.
How an MCA Buyback Works
An MCA buyback pays off your existing advances and replaces them with a restructured agreement. This can consolidate, extend, and lower payments (often 50–80%), remove UCC filings in the process, and make you lendable again in as soon as ~3 months when paired with strong deposit history. No personal credit requirement.
Consolidation vs Buyback — Key Differences
| Feature | Consolidation | Buyback |
|---|---|---|
| Primary Goal | Combine multiple MCAs into one weekly draft | Replace current MCA(s) with a new, more favorable structure |
| Typical Effect | Streamlined payment + lower daily/weekly burden | Lower payment + potential UCC removal + fresh runway |
| Savings Range | Up to 50–80% | Up to 50–80% |
| Credit Check | Soft/alternative review; no hard pull needed | No credit required; bank statements drive decisioning |
| Path to New Funding | Improves DTI & cash flow metrics | Often makes you lendable again in ~3 months |
Program Benefits
- Reduce payments 50–80% via structured consolidation or buyback.
- One weekly payment that fits actual revenue, not a fixed daily draft.
- Improve cash flow & DTI so you can qualify for future working capital.
- No credit required; decisions based on business performance.
- Remove UCCs as part of buyback payoff and cleanup (when applicable).
Who Qualifies
- 6+ months in business and $15K+ monthly deposits
- 2+ advances (or high-draft burden) hurting cash flow
- Active business checking with consistent deposits
- No open bankruptcy or unsatisfied judgments
How to Apply
- Complete the short application at vipcapitalfunding.com/apply.
- Upload your most recent bank statements and MCA summaries.
- Receive tailored options within 24 hours—funding can be same day.
- Select Consolidation or Buyback based on savings and timeline.
Expected Results (Typical Benchmarks)
- Average payment reduction: 28% (range varies by file)
- Balance relief through interest forgiveness and negotiated terms
- Eligibility for new working capital in ~90 days with improved DTI
Where to Go Next
- Explore our MCA Debt Consolidation Programs — payoff options, eligibility, and FAQs.
- Return to VIP Capital Funding Home — compare fast working-capital options.
Ready to Lower Your Balance and Regain Cash Flow?
Apply today for a customized consolidation or buyback solution.
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FAQs
Does an MCA buyback hurt my credit?
No—buybacks are underwritten on business performance and typically do not require a personal credit pull.
Can I qualify if I’ve missed payments?
Often yes. As long as deposits are steady, mediation and buyback structures can still be evaluated.
How fast can I see relief?
Offer decisions are often made within 24 hours; payment reductions apply immediately upon funding.
Will this help me get new funding?
Yes—by reducing payments and cleaning up UCCs, many clients become lendable again in about three months.
