Buried Under Daily Restaurant MCA Debits? Get Down to One Lower Payment

If four debits hit before your deposits clear, you already know the problem

There are three, four, even five ACH pulls hitting the account every morning. The POS company is holding back a slice off the top. By the time the batch settles, the money that was supposed to cover payroll and the produce order is already gone — so you took another advance to plug the hole, and the daily nut got bigger. That's the stack. It's math, not discipline.

Reverse consolidation is built to break that cycle: instead of a pile of short, brutal daily paybacks all fighting for the same deposits, you get one lower payment on a longer term — without settlement and without bankruptcy.

How reverse consolidation works

• 1. You apply and send statements. The online application plus your last 3–4 months of business bank statements, so we can see the real advances and the real daily drain. Checking your options is a soft credit pull — it does not ding your score.
• 2. We set up a single reverse-consolidation facility. Instead of four or five funders each ripping a daily debit out of your account, your advance payments get restructured into one facility with us. Be clear on what this is: it's a new funding facility built to cut your daily outflow — not debt settlement, not paying pennies on the dollar, not bankruptcy. You stay current the whole way through.
• 3. One lower payment, longer term. Your daily and weekly outflow drops to a single, smaller payment stretched over a longer schedule — so your deposits survive the morning and you can actually run the restaurant.

A real before and after

Here's the shape of it on a restaurant carrying four advances:

We won't pretend the total cost disappears — you're trading a brutal short schedule for a longer, lower one, and a longer term has a cost. What you're buying is cash flow: room to make payroll, pay vendors, and operate instead of running from debits every morning.

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.
• Carrying multiple open advances that are draining your cash flow — exactly the case this is built for.
• Soft credit pull to check your options. No collateral required.

Straight answers

Is this more debt?

It's a new facility, so let's be straight: you're not erasing what you owe, you're restructuring how you pay it. Reverse consolidation replaces your stack of daily debits with one lower payment over a longer term. You're buying a lower daily burden and time — not a write-off. For an over-leveraged restaurant that can't survive the current daily nut, that trade is usually the difference between staying open and closing the doors.

Is this debt settlement or bankruptcy?

Neither. You stay current the entire time. Nothing goes to collections, nothing is settled for less than owed, and there's no bankruptcy filing. Your funding relationships stay intact.

Will checking hurt my credit?

No. Seeing your options is a soft credit pull. It does not affect your score.

How fast can it happen?

Once your reverse consolidation is approved and set up, it can move in as little as 24 hours. Honest speed rule: apply before early afternoon ET on a weekday with your statements in and documents signed, and it can move same day. Friday afternoon typically lands the following Monday.

What do I actually need to send?

The application and 3–4 months of business bank statements. Those statements show every advance and every debit — that's how we build the single lower payment.

You don't have to keep feeding the stack. Send your last few statements and see your single payment in writing before you decide anything.