Add up the daily drain.
List your active advances and see exactly what is leaving your account every business day, then an honest look at what consolidation could free. Lower payment, more breathing room. Not necessarily less total cost.
Step 1
Your active positions
Add each advance you are currently paying. Balance is the remaining payback you still owe, not the original amount.
Balance = the remaining payback you still owe on that advance, not the original amount.
Your daily drain
What is leaving your account
These update as you type. Every figure is an estimate based on the numbers you entered.
Monthly burden
What these advances pull from your account in a typical month.
Per business day
Total remittance across all positions each period.
Weekly burden
The same drain across a week.
Positions
Active advances you are paying right now.
Total balance owed
Remaining payback summed across positions.
Days to free
Business days to clear your slowest position.
Where the daily drain goes
After a single restructured advance
An honest consolidation preview.
Model a single restructured advance against your stack. We will show the lower daily payment and the cash it frees, and we will say plainly what it does and does not change.
Step 2
Model the single advance
These are the terms of one restructured advance that would pay off your positions. Adjust them to see the effect.
Leave the advance blank to pay off your full balance owed. A longer term lowers the daily payment but can raise the total you repay.
If you consolidated
The lower daily payment
A single restructured advance, modeled on the terms at left.
Monthly cash freed
Roughly what stops leaving your account each month. Breathing room, not a discount.
New per business day
The single remittance after consolidation.
New monthly
Down from your current monthly burden.
Payment drop / period
How much less leaves your account each period.
New simple APR
The quoted, simple-interest figure on the new advance.
New true APR-equivalent
About 0x the simple number. Estimate for comparison only, not a contractual APR.
New total payback
What you would repay over the new term.
What this actually means
Add your positions above to see the consolidation math, both numbers, side by side.
Lower payment, more breathing room. Not necessarily less total cost.
This is an estimate based on the numbers you entered, not an offer of credit or a commitment to fund. Estimates only. Actual terms vary by underwriting. No credit pull to start.
This looks like a consolidation case
Stacked daily payments are usually the problem, not the business. Consolidation can lower what leaves your account each day. See if it fits, no credit pull to start.
There are legitimate ways to lower the drain while staying in good standing. Talk it through with Rob.
Honest note: lower payment ≠ lower total cost. We will show you both numbers before anything changes.
What to avoid: anyone telling you to stop paying. Breaching your agreement can trigger liens and legal action.
Real ways out, and the math behind them.
Common questions about stacking.
Taking a second or third advance on top of an existing one. The combined daily payments, not the business, are usually what is failing.
It is the sum of the remittances across your active positions, then converted to a weekly and monthly figure so you can see the real drain.
Often, yes. Consolidation or reverse consolidation can lower the daily drain while you stay current. A quick review tells you what is realistic.
Effects vary by situation. Simplifying and staying current can help over time, while some steps may have short-term impact.
Debt-settlement outfits that tell you to stop paying. Breaching your agreement can trigger liens and legal action and wreck your ability to get funded later.
Not necessarily. Consolidation usually means lower payment and more breathing room, but a longer term can keep the total the same or higher. We show both numbers before anything changes.