Yes. Balances of $100,000 or less can be bought out, and MCA relief can lower the payment or extend the term. Compare the new total payback and net cash before you sign.
Check my optionsMerchant cash advance
When a business carries one or more advances with heavy daily payments, a buyout can replace those balances with a single new agreement, often with a longer schedule or a lower payment frequency. It is a restructuring tool, and the math must be checked carefully.
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.
Existing balances of $100,000 or less can be bought out.
Advances, lines of credit and second-position options in one place.
A human reads the file, not just an algorithm score.
Approved files are usually funded the next business day.
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.
In a buyout, a new funder pays off the remaining balance on one or more existing advances directly and issues a new agreement covering that payoff plus, sometimes, additional working capital. MFE offers buyouts of up to $100K. The goal is usually to lower the daily or weekly outflow, reduce the number of separate debits or move from daily to weekly payments.
Start with the numbers. List each existing advance with its remaining balance, payment amount, frequency and any early-payoff discount the current funder offers. Add up total weekly outflow. Then compare the buyout offer: new purchase amount, total payback, new payment and frequency, and how much net new cash, if any, you receive after payoffs.
A buyout can help when the new payment meaningfully reduces weekly outflow and the business can sustain the new schedule. It can hurt if the new total payback is much larger than the remaining balances you are replacing and the payment relief is small. Calculate both the cash relief per week and the added total cost, and decide whether the relief is worth it for your situation.
Check the details: whether existing funders allow payoff without penalties, how quickly the payoffs are processed so you do not pay both old and new debits at once, and whether any UCC filings from the old agreements will be terminated. Ask the new funder to handle payoff letters directly.
MFE considers credit from 500 and reviews existing positions as part of the application, so a buyout can be compared side by side with a structured second-position offer.
Here is the before-and-after weekly outflow in a sample buyout. Illustrative numbers.
| Amount funded | $100,000 |
| Factor rate | 1.20 |
| Total payback (amount × factor) | $120,000 |
| Fees deducted at funding (3%) | $3,000 |
| Net cash you receive | $97,000 |
| Weekly payment over 26 weeks | $4,615 |
| Same total as daily debits (~130 business days) | $923/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Remaining balances | Each existing advance |
| Current weekly outflow | Sum of all debits |
| New payment and frequency | Weekly relief |
| New total payback vs. balances | Added cost |
| Payoff mechanics | Letters, timing, UCC termination |
Good fit:
Probably not yet:
A new funder pays off existing advance balances and issues one new agreement.
Buyouts of up to $100K are available.
No; it can lower weekly payments while increasing total cost. Compare both.
Compare weekly outflow before and after and total payback against remaining balances.
Sometimes, after payoffs; check the net new cash amount.
Usually the new funder; confirm payoff letters and timing.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding