Reverse consolidation replaces four or five daily advance debits with a single, lower payment on a longer term — so your deposits aren't gone before payroll clears.
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.
Here's the shape of it on a restaurant carrying four advances:
4 separate daily debits — roughly $1,900 a day gone before payroll or vendors clear.
1 lower payment on a longer term — roughly $780 a day. About 60% less leaving your deposits.
Reverse consolidation typically cuts combined daily/weekly outflow 40–60%, depending on how many advances you carry and your term.
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.
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.
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.
No. Seeing your options is a soft credit pull. It does not affect your score.
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.
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.
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