MCA CONSOLIDATION, REFINANCING & REVERSE MCA
MCA payments crowding out your cash flow?
Daily and weekly withdrawals can leave a healthy business short on breathing room. Sentry & Sage Consulting helps you explore consolidation, refinancing, and reverse MCA options through our lending relationships. We compare payment schedules, total costs, and existing obligations to help you evaluate whether a different structure fits your business.
✓ Evaluate multiple MCA balances together
✓ Explore options through our lending relationships
✓ Compare payment relief with total financing cost
Let’s review your MCA situation.
More financing options.
A clearer path forward.
3,000+
Our team brings experience across commercial lending and small-business operations to help you evaluate MCA consolidation, refinancing, and reverse MCA options. Through our lending relationships, we help you compare available structures against your cash flow, existing obligations, and business goals.
$700M+
Capital secured
businesses served
Figures reflect experience across our team’s prior work and affiliated businesses, across services—not solely MCA consolidation. Financing is subject to approval, underwriting, and available terms.
A clear process for evaluating your MCA options.
A different payment schedule should support your business beyond the next withdrawal. We review your current obligations, compare available financing structures, and help you understand the proposed terms before you decide.
1
Review your current obligations
We review your MCA balances, payment schedules, business revenue, and cash flow. Together, we identify what is creating pressure and what a new arrangement would need to accomplish.
2
Compare available financing options
Through our lending relationships, we explore consolidation, refinancing, and reverse MCA structures where available. We compare payment amounts, funding schedules, fees, repayment periods, and total costs—not just the initial payment relief.
3
Coordinate your
next steps
If you choose to proceed, we help coordinate documentation and communication with the financing provider. Before funding, we help you clarify which obligations will be paid off, which remain active, and when new payments begin.
Know what changes—and what remains. A new financing arrangement should clearly explain your existing obligations, new payments, and total expected cost.
✓
UNDERSTAND YOUR FINANCING OPTIONS
Three approaches to easing MCA payment pressure.
Consolidation, refinancing, and reverse MCAs work differently. Understanding where the funds go—and which obligations remain—helps you evaluate the right approach for your business.
Consolidation—combine eligible balances
A payoff consolidation uses new financing to pay off multiple eligible MCA balances, replacing the included obligations with a new arrangement. We help you evaluate the payoff amounts, payment schedule, and total financing cost.
Refinancing—replace existing terms
Refinancing replaces one or more eligible obligations with new financing on different terms. It may change your payment amount, frequency, or repayment period. We help you compare the proposed structure with your current obligations to understand the practical benefit and cost.
Reverse MCA—offset existing withdrawals
Also called reverse consolidation, this approach provides scheduled funding to help cover existing MCA payments. Your original advances remain active and continue withdrawing payments while you also pay the new provider. The intended benefit is a lower net cash outflow during the funding period, with additional financing costs and obligations to evaluate.
Options depend on eligibility and available terms. Lower periodic payments do not necessarily mean a lower total cost. Reverse MCA funding does not settle or immediately pay off your existing advances.
Frequently asked questions