Pay off the expensive advance choking your deposits and swap it for a single lower cost payment on a longer term.
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.
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.
Two advances left: $22K and $16K balances. Combined debits of about $1,100/day, 5 days a week — roughly $5,500 a week leaving the account before expenses.
Both paid off in the buyout. One payment near $1,900/week on a longer term. About $3,600 a week back in the account to run the restaurant.
Underwritten on the revenue in your statements, not your credit score. FICO 500+ is fine.
Seeing if you qualify is a soft credit pull. It does not ding your score.
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.
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.
No. Checking eligibility is a soft credit pull. Nothing about looking touches your score.
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.
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.
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.
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