MCA Consolidation Calculator
Several advances at once can take a large share of daily sales. A consolidation loan pays them off and replaces the daily debits with one monthly payment. This calculator shows the cash freed up and the extra cost of stretching the debt out.
Enter your figures below. Results update as you type.
Cash freed up each month$14,943.74$3,956.26 a month in place of about $18,900.00
- New payment per business day
- $188.39
- Extra cost of consolidating
- $14,950.28
- Of which, loan fee
- $2,400.00
Check each advance agreement for early-payoff terms. Many advances give no discount for paying early, so the full remaining balance has to be refinanced.
Current advances vs. consolidation loan
Current advances
$18,900.00Paid per month
4.2 monthsTime left
$80,000.00Total left to pay
Consolidation loan
$3,956.26Paid per month
24 monthsLoan term
$94,950.28Total to pay
Consolidating lowers the monthly drain but costs $14,950.28 more in total.
How the MCA Consolidation calculation works
Cash freed = daily payments x 21 - new monthly payment
$80,000 left on advances costing $900 a business day is about $18,900 a month. A 24-month loan at 14% with a 3% fee replaces that with $3,956 a month, freeing roughly $14,900 of monthly cash. The price is $14,950 more paid in total, because the remaining advance balance is refinanced in full.
Frequently asked questions
Can you consolidate merchant cash advances?
Yes. A term loan or a larger single advance can pay off the existing ones. It lowers the daily or monthly burden, but usually costs more overall because the remaining payback is refinanced with new interest on top.
Does paying off an MCA early save money?
Often not. Most advances owe the full payback amount whenever it is repaid. Some contracts include an early-payoff discount, so check the agreement before consolidating.
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