MCA Refinance — Lower Daily Drafts While Preserving Cash Flow
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Why Refinance Your Merchant Cash Advance
If your daily drafts are cutting into profits, an MCA refinance lets you replace existing advances with a new structure that restores cash flow and saves thousands in fees. VIP Capital Funding specializes in refinancing stacked or high-cost MCAs into manageable weekly drafts or ACH payments based on real business revenue.
How MCA Refinancing Works
- We review your current balances and daily drafts.
- A new program pays off old advances directly.
- Payments convert to a weekly ACH or flexible schedule linked to sales.
- You regain cash flow and qualify for better rates after 90 days of on-time performance.
Typical Savings and Benefits
- Payment reduction of 25–60 % depending on advance balance.
- Interest forgiveness when 50 % of principal is repaid.
- Early payoff discounts 10–30 %.
- Improved cash flow for payroll and inventory.
- UCC removal and cleaner business credit within 3 months.
Refinance vs Debt Consolidation
| Feature | Refinance | Debt Consolidation |
|---|---|---|
| Goal | Replace high-cost advance with new one | Combine multiple advances into one draft |
| Typical Savings | 25–60 % | 50–80 % |
| Funding Speed | Same day | 24 – 48 hours |
| UCC Cleanup | Yes on payoff | Yes during consolidation |
Who Qualifies for MCA Refinance
- 6+ months in business with $15 K monthly revenue or more.
- Existing MCA balance of $10 K – $500 K.
- On-time payment history (no recent defaults).
- Active business checking account.
Step-by-Step Process
- Start at vipcapitalfunding.com/apply.
- Submit 3 recent bank statements and MCA summary.
- Receive offers within hours and fund same day if approved.
- Begin weekly ACH drafts and restore cash flow immediately.
Why Businesses Choose VIP Capital Funding
- Same-day approvals up to $500 K
- No hard credit pull — business performance only
- 10–35 % early-payoff discounts
- Interest forgiveness programs after 50 % repayment
- Personalized support from funding specialists
Where to Go Next
- Explore MCA Debt Consolidation Options — see how they compare to refinancing.
- Learn about Working Capital Programs — discover funding for growth and operations.
- See Industries We Serve — restaurants, retail, construction, and more.
Ready to Lower Your Daily Drafts?
Apply today to refinance your MCA and take control of cash flow.
FAQs
Can I refinance if I already have multiple advances?
Yes — we can refinance one advance or combine several into a new structure.
Will this hurt my credit?
No hard pull is performed; only a soft business credit review.
How fast can I fund?
Most files fund the same day after approval and document verification.
Can I remove UCC filings?
Yes — UCCs are typically released as part of the payoff or restructure process.
