Too many positions? Replace the stack with one clear structure.

We review balances, payment cadence, remaining terms, revenue, bank activity, and payoff letters. The objective is meaningful cash-flow improvement, not simply adding another position.

Review my positions (813) 575-3170

Soft credit pull to apply.^†

One structure

Replace stacked short-term positions with a structure built to reduce payment pressure.

Every position reviewed

Balances, payment cadence, remaining terms, and payoff letters, line by line.

Operators on your file

People who run businesses themselves, and know what a payroll week feels like.

How to consolidate in three steps.

Share your positions.

Apply in minutes, then send your last 4 months of bank statements and payoff letters for each advance.

See the new structure.

We compare the current payment load against the structures that fit your revenue.

Close and retire the stack.

Review final terms, complete verification, and close on the structure that fits.

Review my positions

Soft credit pull to apply.^†

Representative consolidation structures.

Described by Captain Capital. Details are intentionally limited to protect client confidentiality.

$2.0M

MCA consolidation

A consolidation structure that included buying out $450K in existing merchant cash advance obligations to reduce short-term payment pressure.

$200K

HELOC used to retire MCA debt

A home-equity line used by a qualified principal to retire existing merchant cash advance debt and replace short-duration business obligations.

More about consolidation.

From The Captain’s Log, our library of operator-focused guides.

MCA

Stacking vs. Consolidating MCAs: Know the Difference

Adding another position may create temporary cash, while consolidation should improve the operating picture in a measurable way.

8 min read

HELOC

Using a HELOC to Retire Short-Term Business Debt

Home equity can lower monthly pressure for a qualified owner, but the decision moves business risk onto a personal asset.

9 min read

MCA

Factor Rate vs. True Cash-Flow Cost

Multiplying the purchase price by a factor rate shows the purchased amount, but it does not describe timing or payment pressure by itself.

9 min read

Visit The Captain’s Log

Consolidation FAQs

Potentially. We review balances, payment cadence, remaining terms, revenue, bank activity, and payoff letters. The objective is meaningful cash-flow improvement, not simply adding another position.

The last 4 months of business bank statements, owner identification, a voided business check, and a current debt schedule. Larger requests may also require tax returns, interim financials, receivables reports, or collateral information.

No. We do a soft pull. If a specific program requires a hard pull, we’ll discuss it with you before proceeding.

Both, depending on the transaction. Captain Capital may participate directly or through a syndicate in select opportunities and may also broker or refer files to third-party funding sources. Final documents identify the actual provider and structure.

See all FAQs →