Restaurant MCA Buyout: Replace a High-Cost Advance With One Lower Payment

You took the advance to fix a problem. Now the advance is the problem.

It usually starts with one advance to cover a slow month or a repair. Then the daily or weekly ACH hits your account and the factor rate — 1.35, 1.42, 1.49 — means you're paying back $40K, $45K, $50K on $30K borrowed. Every deposit that lands gets skimmed before you can make payroll, cover the produce order, or pay the gas bill. So you take a second advance to plug the hole the first one made. Then a third.

Now you've got two or three ACH pulls hitting the same account on overlapping schedules. Some days $900 leaves before you've rung up your first lunch ticket. You're not short on sales — you're short because the remaining balance on these advances is eating a chunk of your revenue every single week at a rate no restaurant can out-earn. That's the trap: high factor, short term, daily debit. A buyout is how you get out of it. One honest caveat: a buyout depends on qualifying — your deposits, your open balances, and the math all have to work for a payoff to make sense. When a full buyout isn’t the right fit, we can still lower your daily payments with a reverse consolidation.

How a restaurant MCA buyout works

• Step 1 — Send your statements and current payoffs. Upload your last few months of bank statements and the payoff/balance letters (or the funding agreements) for the advances you want gone. We look at your real deposits, not your FICO — approval is based on what actually flows through the account.
• Step 2 — We pay off the expensive balances. The buyout funds go straight to retiring one or more of your existing advances. Those old daily/weekly ACH pulls stop. They're settled, not stacked.
• Step 3 — You make one lower payment on a longer term. Instead of two or three short-term, high-factor debits, you have a single payment stretched over more time. Lower cost of capital, more room in the account, one thing to track.

Buyout vs. reverse consolidation — know the difference before you sign

These get pitched as the same thing. They are not, and the difference decides whether you actually get out or dig deeper.

A buyout pays off and replaces. The old advances are retired. Their ACH pulls end. You're left with one new agreement — fewer debits, lower factor, longer term. Your total obligation goes down or your payment shrinks meaningfully because you're no longer paying two or three lenders their factor at once.

A reverse consolidation restructures — it doesn't pay off. Instead of retiring your advances, it rolls your existing payments into one lower payment on a new facility, so your daily outflow drops and you get breathing room while the balances are worked down over a longer term. It's a real option — and it's the one we use when a full buyout isn't the right fit. The point isn't that either is a scam; it's knowing which one you're actually getting: a buyout pays the advances off, a reverse consolidation lowers how much leaves your account each day.

The honest rule: a buyout means the advances get paid off. If they don't, what's on the table is a reverse consolidation instead — which can still help, as long as you know that's what it is.

Who qualifies

• Restaurants, bars, cafes, food trucks, and QSR operators with at least one active merchant cash advance you want replaced.
• Consistent deposits in your business bank account — that's what we underwrite.
• FICO 500 or higher. No collateral required.
• $10K to $500K in funding available depending on your volume and current balances.

Straight answers

Will this actually lower what I pay, or just move it around?

A real buyout lowers your factor and stretches the term, so your total cost of capital or your weekly payment drops. We'll show you the before/after in dollars before you sign. If the numbers don't improve your position, we'll tell you.

Can you buy out two or three advances at once?

Yes. Consolidating multiple high-factor advances into one payment is the most common reason owners come to us. Send the payoffs for each one you want gone.

Does checking hurt my credit?

No. Checking eligibility is a soft credit pull. Nothing about looking touches your score.

My FICO is under 600. Am I out?

No. We approve on your bank deposits, not your credit score. FICO 500+ is fine, and the whole point of a buyout is that your revenue — not your credit — carries the deal.

How fast can the old advances be paid off?

Fast, once we have everything. Submit before early afternoon ET on a weekday with your statements in and the agreement signed, and funding to retire the balances can move the same day. Friday afternoon submissions fund Monday.

Is this a reverse consolidation?

No — a buyout pays off and replaces your advances. Reverse consolidation is a different product that lowers your daily payments without retiring the advances, and we offer that too when a buyout isn't the right fit. This page is about an actual buyout; if you qualify, that's what you get.

If the daily pulls are winning and you're taking advances to pay advances, a buyout is how it stops. See your before/after — apply online and we'll show you the real numbers.