Balances of $100,000 or less can be bought out; whether cash remains depends on the new amount minus both payoff quotes and fees. Use the buyout worksheet on our MCA refinance page.
Check my optionsMerchant cash advance
Consolidating two advances into one agreement can simplify payments and sometimes leave cash for operations. Whether anything remains depends on the new amount, both payoff quotes and fees, and the math is worth doing line by line.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
You can apply at 500; stronger credit opens more products.
A human reads the file, not just an algorithm score.
Net cash, total payback and payment shown before you sign.
A person reviews your revenue, time in business and bank activity, often within hours.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Start with payoff letters, not estimates. Ask each current funder for a written payoff amount valid through a specific date. Remaining balances on advances are usually based on the purchased amount not yet remitted, and some agreements reduce that figure for early payoff while others do not. Exact numbers matter because the buyout is sized to them.
Calculate the cash that remains. New cash to the business equals the new funded amount minus deducted fees minus both payoff amounts. For example, a $90,000 buyout with $2,700 in fees that pays off $38,000 and $31,000 leaves $18,300 for operations. If the result is close to zero, the buyout is mainly a restructuring rather than new capital.
Compare payments before and after. Add the two current daily or weekly debits and convert to a weekly figure, then compare with the new payment. The main benefit of consolidating two advances is often one predictable payment, sometimes weekly instead of daily, that is lower than the combined current debits.
Weigh the total cost. A new agreement adds its own factor on the full new amount, including the portion used for payoffs. If the relief in weekly payments is small and the added cost is large, consolidation may not be worth it. If the current payments are causing negative days and returned items, the relief can be valuable.
MFE offers buyouts on balances of $100,000 or less. The new funder typically sends payoffs directly to the existing funders and requests UCC terminations, so confirm the timing to avoid overlapping debits.
Keep both old agreements and the payoff confirmations; they document that the earlier positions were satisfied.
Here is the worked arithmetic for consolidating two advances. Illustrative numbers.
| Amount funded | $25,000 |
| Factor rate | 1.25 |
| Total payback (amount × factor) | $31,250 |
| Fees deducted at funding (4%) | $1,000 |
| Net cash you receive | $24,000 |
| Weekly payment over 52 weeks | $601 |
| Same total as daily debits (~260 business days) | $120/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| New funded amount | Total of new agreement |
| Minus fees | Deducted at funding |
| Minus payoff #1 and #2 | From written payoff letters |
| Equals new cash | What reaches the business |
| Weekly payment before vs. after | Measure the relief |
Good fit:
Probably not yet:
Yes, balances of $100,000 or less can be bought out together.
Only if the new amount exceeds both payoffs plus fees.
Written payoff letters from each current funder.
Often, by replacing two debits with one; compare before and after.
It can; weigh the payment relief against the added cost.
Usually the new funder, directly; confirm timing and UCC terminations.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
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