SBA, Bank & Private Credit Take Outs
Refinance high‑fee MCAs into a single, low‑rate term loan backed by established lenders.
Use conventional or private capital to pay off merchant cash advances
A take‑out loan retires every outstanding MCA in a single sweep and replaces daily drafts with one term loan—often 5–10 years—at single‑digit rates. Businesses typically cut repayment costs by 40–60 %, stop daily ACH pulls, and regain access to traditional credit.
Book a free consultation today and discover which take‑out fits your balance sheet.
Why Clinging to MCAs Can Backfire
Ignoring better financing options means overpaying interest, risking defaults, and missing expansion opportunities.
What to Watch Out For
Runaway Interest Costs
High factor fees turn small advances into huge obligations.
Stacking Spiral
New MCAs plug cash gaps, compounding debt.
Bank Declines
Repeated overdrafts and UCC liens scare off traditional lenders.
Credit Erosion
Frequent ACH disputes drag down business credit scores.
How We Secure Low Rate Take Outs
4 Step Take Out Process
Here’s how we convert your MCA payments and put you back in control.
01.
Free Funding Assessment
We analyse statements, tax returns, and MCA balances to size the needed loan.
01.
Lender Match & Term Sheet
Best‑fit lenders issue preliminary offers—rate, term, and collateral outlined.
02.
03.
Underwriting & Closing
We manage docs, appraisals, and SBA forms; loan funds release to pay off MCAs.
01.
Ongoing Guidance
UCC liens are cleared, payment auto‑drafts are set, and we stay on call for follow‑ups.
04.
Benefits of an MCA Take Out
Swapping your MCA for a single bank or SBA term loan turns dozens of daily drafts into one predictable monthly bill, instantly smoothing cash flow.
Ready to Refinance Your MCAs?
Book A Call
Take‑Out Loan FAQs
Five questions entrepreneurs Google most before refinancing MCAs
