Rate & Factor Fee Re Amortization
Turn heavy factor fees into budget‑friendly installments
Restructure MCA fees for smaller, predictable payments
Factor‑fee re‑amortization recalculates an MCA’s flat fee—usually 1.1 – 1.5 × the advance—so the cost is spread across a longer schedule instead of being front‑loaded into daily drafts. Businesses that re‑amortize often see a 15–30 % drop in daily repayment pressure and far fewer overdrafts.
Book a free consultation today and start lowering your daily costs.
Why Ignoring Factor Fees Can Backfire
Merchant cash advances look simple, but steep factor fees plus tight terms can squeeze cash flow and stall growth—especially when sales dip.
What to Watch Out For
Immediate Cash Crunch
Upfront fees leave working capital thin.
Rising Effective APR
Short terms can push the real cost above 100 %.
Snowballing Balance
High fees combined with slow revenue create rollover debt.
Capital Starvation
Money tied to fees can’t fund marketing, staff, or expansion.
How We Break the Cost Spiral
Our 4‑Step Re‑Amortization Process
Here’s how we convert your MCA payments and put you back in control.
01.
Free Debt Assessment
We review agreements and statements to flag costly factor structures.
01.
Lender Outreach Begins
Daily drafts pause while we present a revenue‑based repayment plan.
02.
03.
Fees Are Re Amortized
Factor charges spread over weekly or monthly drafts—cutting daily impact.
01.
Continued Support
Final docs are filed; we monitor payments and stay on hand for questions.
04.
Benefits of Factor Fee Re Amortization
Re‑amortizing the factor fee spreads that fixed MCA charge over a longer term, slicing each withdrawal down to a cash‑flow‑friendly size.
Ready to Trim Your Factor Fees?
Book A Call
Factor‑Fee Re‑Amortization FAQs
Most‑searched questions owners ask before renegotiating MCA fees
