Balance Reallocation Across Multiple Funders
Shift uneven, stacked MCA drafts into one coordinated repayment schedule—no more morning cash‑flow shocks.
Since 2022 – Hundreds of Stacked Positions Resolved
We’ve helped businesses shift draft weight among two–five MCA funders, cutting daily pulls up to 30 %.
35 + Years in Multi Funder Workouts
Our negotiators and attorneys bring deep experience untangling overlapping contracts and conflicting UCC filings.
Direct Lines to Top MCA Providers
Because we negotiate with first‑, second‑, and third‑position funders every week, most reallocation plans close in 14 – 21 days—fast enough to stop overdrafts before they snowball.
Level daily drafts by assigning every lender a fair‑share percentage
When you carry two or more MCAs, each funder drafts what it can—often at dawn. A balanced‑payment agreement reallocates those pulls into one coordinated schedule. Each lender receives a pre‑agreed share of weekly or monthly revenue, ending draft pile‑ups and slashing NSF fees 20–35 % on day one.
Book a free consultation today and bring order to stacked advances.
Why Letting Drafts Compete Backfires
Ignoring stack chaos invites compounding costs and legal headaches.
What to Watch Out For
Cash‑Flow Collapse
Accounts empty by 9 a.m.; bills bounce all afternoon.
Double NSF & Penalty Charges
Each failed draft adds $35–$75 in fees.
Accelerated Default Notices
Late drafts trigger collection calls and lawsuit threats.
Lien Gridlock
Conflicting UCC filings scare off banks and investors.
How We Restore Order
Freeze Duplicate Drafts
We coordinate with all funders to pause pulls during restructuring.
Assign Fair Share Percentages
A single, agreed split allocates each day’s sales across positions.
Unify Communication
We become the single point of contact, so funders stop competing for priority.
Monitor & Report
Daily dashboards track payments and flag any drift from the agreed split.
Our 4 Step Reallocation Process
Here’s how we convert your MCA payments and put you back in control.
01.
Free Debt Assessment
We map every MCA position, factor rate, and draft schedule.
01.
Multi Funder Outreach
All funders agree to a draft pause while we propose a balanced repayment plan.
02.
03.
Drafts Are Reallocated
Pro‑rated percentages or fixed weekly amounts replace chaotic pulls.
01.
Post Deal Support
We finalise paperwork, monitor compliance, and help prevent future stacking.
04.
Benefits of Balance Reallocation
Rolling several MCAs into one facility cuts the number of withdrawals and can trim the combined monthly outlay by 15‑20 percent, keeping more cash on hand for day‑to‑day needs.
Ready to Unstack Your MCA Drafts?
Book A Call
Balance‑Reallocation FAQs
The five questions business owners Google most before smoothing stacked drafts
Most lenders cooperate on stacks of two to five advances; larger groups may require phased consolidation.
Yes—funders prefer steady, pro‑rated cash over sporadic, overdraft‑prone pulls that lead to defaults.
No—the factor fees and principals stay intact; only the timing and distribution of drafts change.
With contracts, payoff ledgers, and three months of statements ready, most balanced‑draft agreements finalize within 14–21 days.
Send each MCA contract, last three bank statements, current payoff balances, and processor reports; we handle the rest.