Lower your MCA payments and get out from under the stack
Tell us about your merchant cash advances and we’ll match you with an MCA debt consolidation specialist who works with your funders to negotiate and restructure what you owe into one lower, more manageable payment. It’s free to you and there’s no obligation.
- Lower your daily and weekly MCA payments
- Combine multiple advances into one payment
- Specialists negotiate directly with your funders
- Break the renewal cycle and free up cash flow
We match you with a debt consolidation partner experienced with businesses in your industry and with your level of MCA debt.
Lighter Payments is a free matching service, not a lender or debt consolidation company. Results vary by business and funder; not every business will qualify, and no specific reduction in payments or balance is guaranteed. Any fees are set by your consolidation partner and disclosed in writing.
See if you qualify
Takes about 60 seconds. Free, no obligation.
Prefer to talk? Call (888) 732-9686
Does this sound like your business?
MCA debt consolidation is built for owners whose advances are taking more than the business can afford.
Two or more positions
You’ve stacked advances and the debits now overlap.
Daily debits eat payroll
Withdrawals hit before you can cover staff, rent or inventory.
Falling behind
You’ve missed payments, or you’re close, and funders are calling.
Renewal cycle
You keep renewing just to stay current on the last advance.
How it works
- 1
Tell us about your MCAs
Share how many positions you have, your balance and your revenue. It takes about a minute.
- 2
Get matched
An MCA debt consolidation specialist reaches out, usually the same business day, and reviews your advances with you.
- 3
They negotiate for you
Your specialist works with your funders to restructure your advances into one lower payment, or arranges a consolidation loan if that fits better. You see the plan, costs and timeline in writing before anything starts.
Straight answers, up front
Here’s how our matching service works and how we’re paid.
Common questions
What is MCA debt consolidation?
A specialist reviews your merchant cash advances and negotiates with your funders to restructure them, usually into one payment that’s lower than what you pay across all your positions today. In some cases a consolidation loan that pays off the advances is the better fit; your specialist will explain which.
Can my payments really go down?
Often, yes. Funders generally prefer a realistic repayment plan over the risk of default. How much your payment changes depends on your funders, balances and revenue, and no specific reduction is guaranteed.
Who are you, and who will contact me?
Lighter Payments is a matching service. After you submit the form, a partner from our Partners page may call, text or email you. You’re never obligated to work with them.
Will this hurt my credit?
Submitting this form doesn’t involve a credit check. Ask your consolidation partner how their program may affect your credit before you agree to anything.
How much does it cost?
Our matching service is free. Your consolidation partner’s fees vary, and you’ll get the full cost in writing before you sign anything.
Who qualifies?
Partners generally look for an operating business with at least one active MCA and ongoing monthly revenue.
Ready for a payment your business can carry?
Free, no-obligation match with an MCA debt consolidation specialist.