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Private Capital - MCA Refinancing

Merchant Cash Advance Refinancing for Business Cash Flow

Refinance up to two eligible merchant cash advances with monthly payments and terms up to 24 months through a private capital solution.

A Potential Alternative to Daily or Weekly MCA Payments

Merchant cash advances (MCAs) generally involve the purchase of future business receivables. Their frequent remittances can put pressure on operating cash flow, particularly when a business has more than one advance outstanding.

Market Direct Capital™ has access to a private capital option that may refinance up to two existing MCAs for qualified businesses. Eligible financing may provide monthly payments and terms up to 24 months.

This is not an SBA MCA refinance program. The objective is to evaluate whether a new private financing structure better fits the business's repayment capacity and total financing needs.

Program Highlights

  • Refinance up to two eligible MCAs
  • Monthly payment structure may be available
  • Terms up to 24 months
  • Private capital, not SBA financing
  • Subject to underwriting and approval

Why Businesses Explore MCA Refinancing

The goal is to evaluate repayment flexibility and cash flow, not to assume every refinance will save money.

Payment Frequency

A monthly payment structure may be easier to plan around than frequent MCA remittances.

Cash Flow Planning

A defined repayment schedule can help a business forecast operating cash requirements.

Existing Obligations

Review up to two advances and their payoff amounts as part of one financing request.

Total Cost Review

Compare fees, payoff amounts, financing costs, and terms before deciding whether refinancing makes sense.

What We Review Before Presenting a Request

Eligibility depends on the business, its revenue and cash flow, the existing MCA obligations, and the private lender's requirements. We begin by understanding the actual repayment burden and whether a proposed refinance is sustainable.

Approval, payment amount, interest or other financing charges, collateral requirements, and term are determined through underwriting. No specific savings or approval is guaranteed.

Information That May Be Requested

  • Current MCA agreements and payoff balances
  • Recent business bank statements
  • Business revenue and cash flow details
  • Other outstanding financing obligations
  • Basic ownership and business information

How MDC Approaches MCA Refinancing

1. Review the MCAs

Identify the number of advances, current remittances, and actual payoff requirements.

2. Assess Cash Flow

Evaluate operating cash flow, revenue trends, and ability to support new payments.

3. Explore Private Capital

Determine whether an eligible private financing structure is available.

4. Compare the Terms

Review monthly payment obligations, term, fees, and total financing cost before proceeding.

MCA Refinancing Is One Part of the Financing Picture

A business may also need working capital, a line of credit, or longer-term financing. MDC can evaluate those needs separately, beginning with private capital, followed by conventional bank financing and SBA or USDA programs where appropriate.

Important: Do not assume an SBA loan can be used to pay off an MCA. The MCA refinancing option described here is private financing.

Explore Related Financing

MCA Refinancing Questions

Answers to common questions about refinancing existing merchant cash advances through private capital.

For qualified businesses, Market Direct Capital has access to a private capital option that may refinance up to two existing merchant cash advances. Eligibility and final terms are subject to underwriting.

The private funding option discussed here may refinance up to two merchant cash advances. Businesses with more than two outstanding advances should discuss their complete obligations before assuming they qualify.

Yes. Eligible transactions may be structured with monthly payments rather than the daily or weekly remittances often associated with MCAs. Actual payment terms depend on approval.

Terms of up to 24 months may be available for qualified businesses. The approved term may be shorter depending on the transaction and underwriting.

MCA refinancing is not being offered as an SBA refinance. The program described on this page is a private capital option, and SBA refinancing restrictions should not be bypassed or assumed to permit MCA payoffs.

No. A monthly payment structure may improve cash flow timing, but the total cost depends on the payoff amounts, fees, rate, term, and new agreement. Businesses should compare the complete cost of the proposed financing.

Typical information may include current MCA agreements and payoff statements, recent business bank statements, revenue and cash flow information, existing debt obligations, and basic business details. Requirements vary by funding source.

Discuss Your Existing MCA Obligations

If your business has one or two merchant cash advances, Market Direct Capital™ can help evaluate whether a private refinancing option is appropriate.

Request a Financing Consultation