MCA to SBA Refinance Transition Program

Replace short-term advances with a structured path to affordable SBA financing. Lower payments, improved cash flow, and long-term stability.

MCA to SBA Program

Many small businesses took out merchant cash advances (MCAs) during periods of tight cash flow or limited credit access. These short-term, high-cost advances often carry extremely high effective interest rates, leaving borrowers with daily or weekly payments that strain working capital. The MCA to SBA Program from Market Direct Capital™ helps qualified businesses replace those expensive advances with long-term, affordable SBA financing.

Why Refinance Your MCA?

SBA-backed loans offer far lower rates and longer repayment terms compared to merchant cash advances. Refinancing into an SBA loan allows business owners to stabilize cash flow, consolidate debt, and regain control of their financial position.

  • Lower monthly payments – replace daily or weekly MCA payments with one manageable SBA payment
  • Longer terms – up to 10 years for working capital or 25 years if real estate is included
  • Competitive interest rates – typically a fraction of MCA costs
  • Flexible use of funds – refinance debt, pay off advances, and provide working capital
  • Credit flexibility – subprime credit, past delinquencies, and even prior bankruptcy may be acceptable

Program Highlights

  • Loan Size: $75,000 to $5,000,000+
  • Terms: 7 to 25 years depending on use of proceeds
  • Payment Structure: Monthly or weekly payments (no daily withdrawals)
  • Collateral: Business assets, real estate, or both
  • Credit Profile: Prime to subprime, including borrowers with prior credit challenges

Eligible Uses

  • Refinance one or more merchant cash advances
  • Pay off short-term or high-interest debt
  • Provide working capital for operations or expansion
  • Consolidate multiple debts into a single SBA loan

Getting Started

The MCA to SBA Program is designed for business owners who have good operating history but need relief from aggressive repayment schedules. If your business has sufficient revenue and can demonstrate the ability to support a new structured loan, you may qualify even with imperfect credit.

To review your situation and determine eligibility, please Contact us for a free consultation. Our team can help you structure a solution that improves your cash flow and positions your business for long-term growth.