Stabilize cash flow, reduce daily MCA debits, and regain control of working capital.

At a Glance

• What it is: A structured facility that covers your existing MCA daily withdrawals and replaces them with a single, smaller periodic payment while your original advances run off.
• Who it fits: Owners and CFOs facing stacked MCAs, heavy daily ACH splits, and cash strain.
• Why it helps: Lowers daily outflow and buys time to normalize cash cycles and pursue longer-term refinancing.

Solutions We Structure

• Reverse consolidation programs that fund a dedicated account to make your MCA payments while you remit one predictable weekly or semiweekly payment.
• Bridge-to-refi plans that target a takeout into Short-Term Loans, Online Term Loans, or SBA 7(a) Loans once metrics improve.
• Cash flow complements using Accounts Receivable Financing or Invoice Financing to align funding with collections.

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Key Considerations

• Reverse consolidations typically reduce daily payments by roughly 25 to 50 percent and extend the term.
• Total borrowing cost usually increases since the repayment horizon is longer.
• This is not a traditional debt consolidation loan and usually does not lower principal outstanding.
• Best used as a cash flow stabilization tool while you prepare for a cleaner refinance.

Eligibility Snapshot

• Operating US business with verifiable revenue and at least one active MCA
• 6 to 12 months operating history preferred
• No open bankruptcies or undisclosed liens
• Willingness to provide bank statements and MCA agreements for review
• KYC and AML completed via our encrypted portal

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What You Will Need

• Last 6 to 12 months of business bank statements
• Copies of current MCA contracts, payment schedules, and balances
• Recent financials or management accounts and tax ID
• Owner identification and corporate formation documents

Process

• Assess: We analyze current MCA balances, daily withdrawals, and bank cash flows to size a reverse consolidation that meets your minimum cash needs.
• Structure: We align a program with a single weekly payment, set reporting cadence, and define a clear path to refinance or paydown.
• Approve: We coordinate underwriting and documentation and establish a dedicated account to service MCA debits.
• Fund and monitor: Program funds cover MCA payments. You make the new periodic payment and receive ongoing performance reviews toward a lower-cost takeout.

Why Mountaintop Capital Partners?

• Market coverage: Access to multiple reverse consolidation providers and specialty credit funds to secure competitive terms.
• Wall Street discipline: We model cash flows, stress test scenarios, and right-size payments so operations can breathe.
• Refi mindset: We design the program to be a bridge into bankable credit like Bank Lines of Credit or SBA 7(a) Loans.
• Single point of contact: One senior advisor manages all counterparties through closing and beyond.
• Security: Bank-level encryption and rigorous KYC and AML keep your data protected.