| Best for | Working capital and replacing merchant cash advances |
| Secured options | Term loans backed by real estate, equipment or receivables cost far less than advances |
| Term | 1–5 years for business term loans; longer when real estate secured |
| MCA refinance | Advances paid off at closing from loan proceeds |
Typical ranges, not quotes. Final terms depend on the property, the borrower and the lender.
Common questions
- I have multiple MCAs. Can I still qualify? Often, especially if you own real estate or equipment. Our team spent years in the MCA industry and knows how to restructure them.
How it works
- Tell us what you need and what you have. No documents, no credit pull.
- We review the realistic options and walk you through each.
- You choose a path; we send one document list and secure a term sheet.
- We manage underwriting and closing alongside you.
Special situations
Related programs
Cash-Out RefinanceTurn equity in property you already own into cash for your business, another purchase, or paying off expensive debt like merchant cash advances.View programEquipment FinancingFinance new or used equipment, or borrow against equipment you already own.View programAccounts Receivable Financing (Factoring)Get paid now on invoices your customers will pay in 30–90 days.View programSBA 7(a) LoansThe SBA's main loan program: long terms and lower down payments for buying a business, buying or refinancing owner-occupied real estate, equipment, working capital, and refinancing expensive debt.View program