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A buyout pays off a single existing position with new funding.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, we compare structures on total dollars repaid and the rhythm of payments, and we publish our own terms so you can do the same.
A buyout pays off a single existing position with new funding. Consolidation combines several obligations into one new schedule. They sound alike but fit different situations.
| MCA buyout | Consolidation | |
|---|---|---|
| What happens | New funding pays off one existing advance | Several obligations are combined into one |
| Best when | One advance is the problem | Multiple payments across several funders |
| Payment result | One weekly payment instead of one daily debit | One payment instead of many |
| Published limit | Balances of $100,000 or less | Depends on the file |
| Watch for | Whether your agreement allows it | A longer term can raise total dollars |
An illustration: These are illustrative figures to show the arithmetic, not an offer; your offer shows the amount, schedule and total cost before you sign.
| Item | Figure |
|---|---|
| Three daily debits totalling | $840 a day |
| Combined monthly outflow (21 days) | $17,640 |
| One weekly schedule that leaves more of each week in the account | Set in your offer |
Compare any offer on total dollars repaid and the rhythm of payments, not on a single rate. Use the factor-rate calculator and how much can I borrow to test your numbers. The minimum FICO is 500, and the better your credit, the better your offer.
Source: Merchant Fund Express. Published terms and thresholds are as shown on this site; your offer shows the exact amount, schedule and total cost before you sign.
No. A longer term can raise total dollars repaid even as the payment falls. Compare totals. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.
Read your agreement; some restrict additional financing, and every open position should be disclosed. Merchant Fund Express publishes its terms and thresholds before you apply.
Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.
