When the debits are bouncing and the funders are calling, reverse consolidation restructures the stack into a single lower payment — so you can stay current and breathe.
The account hit zero before the last advance pulled, so a debit bounced. Now there's an NSF fee from your bank, a returned-payment fee from the funder, and a voicemail asking why the payment didn't clear. Miss another and you're staring at the default language in the contract — the part about the full balance coming due, or the confession of judgment you signed without reading. This is the spiral, and willpower doesn't fix it: the daily nut is simply bigger than what the restaurant can produce right now.
Reverse consolidation is built for exactly this moment — get the stack of daily debits restructured into one lower payment you can actually make, on a longer term, so you stop bouncing and stay current going forward.
It's not just the balances. Each bounced debit is an NSF fee from your bank plus a returned-payment fee from the funder — $50 to $200 a pop, stacking every time the account runs dry. Add the risk of a default being called and the whole balance accelerating, and "waiting to catch up" quietly becomes the most expensive option on the table. Getting to one payment you can make is how you stop the bleed.
Usually not. Being behind is the reason people come to reverse consolidation, not a disqualifier. We approve on your deposits, and the whole point is to get you to a payment you can keep before a default gets called. The sooner you start, the more room there is to work with.
It's a new facility, so straight talk: you're restructuring how you pay, not erasing what you owe. You trade a stack of bounced, brutal daily debits for one lower payment over a longer term. What you get is a payment you can actually make and the fees and default risk off your back.
Neither. You stay current from here forward. Nothing is settled for pennies, and there's no bankruptcy filing.
No — it's a soft pull to check your options.
Once approved and set up, it can move in as little as 24 hours. Apply before early afternoon ET on a weekday with statements in and documents signed and it can move same day; Friday afternoon typically lands Monday.
The fees and the calls don't stop on their own. Send your last few statements and see the single payment you'd actually make before you decide.
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