Heavy daily or weekly withdrawals can squeeze a business until there is no room to operate. Reverse consolidation is a restructuring strategy designed to ease that pressure, reducing how much leaves your account each cycle so you can stabilize and plan a path forward.
Fast reviews · Clear communication · No misleading promises
Reverse consolidation is built for businesses under strain from one or more advances with aggressive daily or weekly remittances. Rather than simply combining balances, it injects capital and restructures the withdrawal schedule so that less leaves your account in each cycle.
The aim is immediate relief: restoring enough working cash for the business to keep operating, while creating a more sustainable structure to move forward. It is a stabilization tool, used carefully and transparently.
A realistic picture of what we look for, and what to have ready so things move quickly.
One or more active advances
Daily or weekly remittance pressure
Ongoing revenue to restructure around
An active business bank account
U.S.-based business
Current advance agreements / balances
3–6 months of bank statements
A government-issued photo ID
Business info (EIN, entity type)
We review your current positions and how much is being withdrawn each day or week.
We structure an approach that reduces the per-cycle drain and restores working cash.
The new structure replaces the aggressive remittance schedule with something more workable.
With breathing room restored, we help you plan the next steps for the business.
Reverse consolidation works by injecting capital and restructuring your remittance so that less leaves your account each cycle. It is a stabilization tool, the total cost depends on the structure and the positions being addressed.
Because it is used in genuinely tight situations, we are especially careful to be transparent: you will understand exactly how the new schedule works and what it costs before anything changes.
Eases the per-cycle drain on your account.
Less leaves the account each day or week.
Restore room to operate, then plan forward.
Crushing daily or weekly withdrawals
Stacked advances draining the account
No working cash left to operate
Needing relief without closing doors
Wanting to stabilize before refinancing
Restructuring after aggressive funding
No hype. Here is where this product shines and what to keep in mind before you commit.
What we generally look for before this fits. Have these in hand and things move faster.
One or more active merchant cash advances with daily or weekly remittances
Genuine pressure from how much leaves the account each cycle
At least 6 months in business with ongoing revenue to restructure around
An active business bank account the funder can work with
A U.S.-based business that intends to keep operating, not wind down
Willingness to pair the relief with a stabilization plan
Honest ranges, not a quote. Actual terms vary by funder and underwriting.
Reverse consolidation is a relief and restructuring strategy, not a loan with an interest rate. A funder deposits capital into your account to offset your daily or weekly remittances, so less leaves the business each cycle while the original advances keep getting paid down. The cost depends on the structure and the positions being addressed, and we explain exactly how the new schedule works before anything changes. Actual terms vary by funder and underwriting.
Because it is built for tight situations, relief is usually reviewed within a day and arranged within a few business days.
Gathering these up front keeps your review quick and clean.
Current agreements or balances for each active advance
3 to 6 months of business bank statements
A government-issued photo ID
Basic business details (EIN, entity type)
A snapshot of how much is withdrawn each day or week
The factors that carry the most weight when your file is reviewed.
How heavy the daily or weekly remittances are relative to revenue
Whether ongoing deposits can support a restructured schedule
The number and size of the advances currently stacked on the business
How many negative or near-zero balance days appear recently
Stability of the revenue the relief is structured around
Whether the business is viable once the per-cycle drain is eased
No hype. Here is what to think hard about before you commit.
Illustrative situations, not promises. Your options depend on your business.
If this is not quite the fit, these options are worth a look.
An estimate for comparison only. Actual terms vary by funder and underwriting.
A quick look versus two common alternatives. The best fit depends on your situation, we'll help you weigh it.
“The daily withdrawals were strangling us. Restructuring gave us room to actually run the business again.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→See how reverse consolidation and other options work for businesses like yours.
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Plain-English answers to the questions owners ask before they apply.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.