Behind on Your Restaurant's MCA Payments? Get to One Payment You Can Actually Make

When the debits start bouncing, it snowballs fast

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.

How it works when you're already behind

• 1. Apply and send statements. The online application plus your last 3–4 months of business bank statements — bounced debits, NSF hits and all — so we see the real picture. Soft credit pull to check; it won't ding your score.
• 2. We set up a single reverse-consolidation facility. Your multiple daily advance payments get restructured into one facility with us — a new funding facility built to cut your daily outflow. Not settlement, not bankruptcy. The goal is to stop the bounce cycle and get you current.
• 3. One lower payment you can keep. Instead of four or five debits fighting over an empty account, you make a single, smaller payment over a longer schedule — one you can actually cover, week in and week out.

What being behind is really costing you

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.

Who qualifies

• Restaurants, bars, cafes, food trucks, and franchises — food service is what we do.
• Approved on your bank deposits, not your credit score. FICO 500+ is fine, and being behind doesn't automatically disqualify you.
• Carrying multiple advances you've fallen behind on — exactly who this is built for.
• Soft credit pull to check. No collateral required.

Straight answers

I already bounced payments — is it too late?

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.

Is this more debt?

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.

Is this settlement or bankruptcy?

Neither. You stay current from here forward. Nothing is settled for pennies, and there's no bankruptcy filing.

Will checking hurt my credit?

No — it's a soft pull to check your options.

How fast can it move?

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.