Stuck in one or more advances? Let's look at your options.
If the daily or weekly debits are squeezing your cash flow, you are not out of moves. Tell us your real numbers below and a specialist will review consolidation, a lower payment, payoff or settlement, and renewal options with you. We are a funding broker, not a lender, so we can compare paths across partners and explain each one in plain language.
Here is the honest version. Relief usually means a lower amount leaving your account each day or week, which buys breathing room. It does not always mean you pay less in total, and a longer or restructured plan can cost more over time. We will show you the trade-off in real numbers so you can decide with your eyes open.
What happens after you submit
- A specialist reviews your numbers, usually the same business day during ET hours.
- We talk through your options: consolidation, a lower daily payment, payoff or settlement, or a renewal review.
- If a path fits, we line it up with a funding partner. A hard credit pull may occur later at the funder stage, and we tell you before it does.
To be clear: this is a review, not an offer of credit, and approval is never guaranteed. A merchant cash advance is the purchase of future receivables priced by a factor rate, not a loan. This is not legal advice.
Run your own numbers first (optional)
Stacked Advance & Consolidation Calculator → See your combined daily burden and what a single consolidated payment could look like. MCA Payoff Calculator → Estimate the balance remaining and what an early payoff would actually cost. MCA Renewal Calculator → Check whether a renewal helps or just rolls old cost into new money. Guide: How to get out of a merchant cash advance → Plain-English walkthrough of consolidation, payoff, settlement, and renewal.Tell us your situation
Takes about two minutes. No credit pull to start. A specialist reviews it and reaches out.
Straight answers
Often, yes. Consolidation and restructuring are designed to free up cash flow by lowering the amount that leaves your account each day or week. That can buy you breathing room, but a longer or restructured plan does not always mean you pay less in total. We show you the trade-off in plain numbers before you decide anything.
No. A merchant cash advance is the purchase of your future receivables at a discount, priced with a flat factor rate rather than an interest rate. It is not a loan and does not carry an APR. You can still estimate an APR-equivalent to compare it against loan products.
There is no credit pull to start. We review your situation first. A hard credit pull may occur later at the funder stage if you choose to move forward with a specific option, and we tell you before that happens.
AI Cash Advance is a funding broker, not a lender, and this is not legal advice. We review options across funding partners and explain them in plain language. Anything you submit is for a review, not an offer of credit, and approval is never guaranteed.