MCA consolidation lenders pay off several merchant cash advances and replace them with one payment. The eight providers below publish at least part of their terms; they range from a bank-network term loan with monthly payments to broker-arranged MCA buyouts and reverse consolidations. Every figure comes from the provider's own page, checked on 2026-10-23 — anything a provider doesn't publish is marked "Not disclosed".
The short answer
- 01Published credit minimums run from 500 to 640 (all three bureaus).
- 02Only some providers say they wire payoffs directly to your old funders.
- 03Reverse consolidation keeps the old advances open — it is not a payoff.
- 04Six of the eight are brokers, marketplaces, or don't state their role — ask who actually funds.
What we found in the eight provider pages
We recorded the same seven fields on every provider's own page. The pattern matters more than any single lender: most of this market does not publish what a borrower needs to compare it.
- 1 of 8
- Publishes all four basics
- 5 of 8
- Publish a minimum credit score
- 6 of 8
- Are not direct lenders
- 4 of 8
- Publish any term length
Amount, term, minimum credit and minimum revenue. One provider, Clarify Capital.
The published floor runs from 500 to 640 on all three bureaus.
Brokers, marketplaces, or a role the page does not state.
The other four leave duration open until underwriting.
Consolidation vs. reverse consolidation
01 · Consolidation
Old advances are paid off
02 · Reverse consolidation
Old advances keep running
How do the eight providers compare side by side?
| Provider | Type | Amount | Term | Min credit | Min revenue | Reverse? |
|---|---|---|---|---|---|---|
| Value Capital Funding | Bank-network lender | Not disclosed | Up to 10 years | 640 (all 3 bureaus) | $100K/yr + profit | Not disclosed |
| OnDeck | Lender | Up to $400K term · $200K line | Not disclosed | Not disclosed | Not disclosed | No product |
| Northwood Capital Group | Role not disclosed | $25K–$1M | Not disclosed | 550 | Not disclosed | Not disclosed |
| Funderial | Broker | $25K–$2M | Not disclosed | 500 | $10K/mo | Named, not described |
| The Broker Shop | Broker | Not disclosed | Typically 12–18 mo | 500 | $25K/mo | Not offered |
| Clarify Capital | Marketplace | $5K–$5M | 6–60 mo (term loans) | 500 | $10K/mo | Not disclosed |
| Shield Funding | Role not disclosed | $15K–$750K (short-term loan) | 1–3 yrs (short-term loan) | Not disclosed | Not disclosed | Yes |
| ReverseConsolidation.com | Role not disclosed | Not disclosed | Not disclosed | Not disclosed | Not disclosed | Yes (weekly funding) |
Order runs from conventional refinancing to MCA-style buyouts to reverse consolidation — it is not a quality ranking. We have no paid relationship with any provider listed.
What does each provider actually publish?
| Provider | Amount | Term | Min credit | Min revenue | Reverse? |
|---|---|---|---|---|---|
| Value Capital FundingLenderMCA debt consolidation loan through a network of FDIC-insured banks (the bank makes the credit decision); one monthly payment. | Not disclosed | Up to 10 years | 640+ on all three bureaus | $100,000/yr and positive net income | Not disclosed |
| OnDeckLenderTerm loans and lines of credit that can be used to consolidate; no product marketed specifically for MCA payoff. Published average APR 53.2% (term loans, H1 2026). | Term loan up to $400K · line up to $200K | Not disclosed | Not disclosed | Not disclosed | No product |
| Northwood Capital GroupRole not disclosedMCA consolidation loan replacing advances with one fixed, amortizing payment. | $25,000 – $1,000,000 | Not disclosed (12–24 mo shown as an example) | 550 with stable deposits | Not disclosed | Not disclosed |
| FunderialBrokerBroker placing MCA consolidation with a network of lenders; repayment "varies by offer". | $25,000 – $2,000,000 | Not disclosed | 500+ (flexible) | $10,000+/mo (guideline) | Named on the page, not described |
| The Broker ShopBrokerBrokerage arranging MCA buyouts with funding partners; one daily or weekly payment. | Not disclosed for consolidation ($5K–$2M sitewide) | Typically 12–18 months | 500+ workable, 600+ better offers | $25,000/mo floor | Not offered as a service |
| Clarify CapitalMarketplaceMatches businesses with 75+ lending partners; lists debt consolidation as a use of funds. | $5,000 – $5,000,000 | 6–60 months (term loans) | 500+ | $10,000+/mo ($120K/yr) | Not disclosed |
| Shield FundingRole not disclosedSeveral consolidation routes: short-term loan, another MCA, a bad-credit loan, or reverse consolidation. | $15K–$750K short-term loan · $8K–$250K MCA | 1–3 years (short-term loan) · 2–12 months (MCA) | Not disclosed (500+ for its bad-credit loan) | Not disclosed ($8K/mo for its bad-credit loan) | Yes |
| ReverseConsolidation.comRole not disclosedReverse consolidation: weekly funding equal to your existing MCA payments while the old advances run their course. | Not disclosed | Not disclosed | Not disclosed | Not disclosed | Yes — core product |
Names link to each provider's own page. Every figure checked 2026-10-23. “Not disclosed” means the page does not state it.
Which consolidation lender fits your situation?
| Your situation | Look at first | Why |
|---|---|---|
| Good credit (640+), profitable, 1+ year | Bank-network or conventional term loan | Monthly payments and long terms usually cost the least |
| 2+ stacked MCAs, credit 500–600, strong deposits | MCA buyout via a funder or broker | Underwriting leans on bank statements, not credit |
| Cash flow is the problem, not the balance | Reverse consolidation — with care | Lowers payments now, but adds a contract and total cost |
| Already in default or a confession of judgment filed | Restructuring or settlement, not consolidation | Most consolidation programs exclude active defaults |
| You can't tell who funds the deal | Ask for the funder's name and the contract | Brokers may get paid by the funder, not by you |
What should you check before you sign?
Total payback in dollars
Compare it with what you owe today, all fees included.
Who the funder is
Broker, marketplace or direct funder — and the name on the contract.
Payoff letters for each old advance
And proof the payoffs were wired.
UCC-3 terminations
Old funders' filings released once paid.
Payment frequency
Daily, weekly or monthly — tested against your slowest month.
Stacking and default clauses
What counts as a default under the new contract.
Frequently asked questions
What is MCA debt consolidation?
MCA debt consolidation replaces several merchant cash advances with one obligation. A new lender or funder pays off the existing advances — ideally wiring the payoffs directly and getting the old UCC filings terminated — and you make one payment to the new provider. A reverse consolidation is different: the old advances stay open and the new funder sends you weekly deposits to keep paying them.
Is MCA debt consolidation legit?
Consolidation is a legitimate product, but the terms decide whether it helps. Compare the total payback against what you owe now, confirm whether the old advances are actually paid off, and check whether the new obligation is a bank-style loan with monthly payments or another MCA with daily debits.
What credit score do I need for an MCA consolidation loan?
Published minimums in this comparison range from 500 (MCA-style and broker programs) to 640 on all three bureaus (a bank-network term loan). Most MCA-style providers weigh bank deposits and existing advance performance more heavily than credit score.
Can I consolidate MCAs if I am already in default?
It is much harder. Some providers say an active default or a confession of judgment narrows or rules out consolidation. If you are already behind, restructuring with your current funders or a negotiated settlement may be more realistic.
Is reverse consolidation a good idea?
It can ease daily cash pressure, but it adds a new contract on top of the old ones rather than retiring them, and the total amount owed usually rises. Ask for the total payback and the weekly deposit schedule in writing before agreeing.