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MCA Debt Consolidation Program 

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MCA debt consolidation

Provides the ability for businesses that are struggling with expensive, daily payments (e.g. MCA debts) to drastically reduce the amount of their payments and cost of capital.

Businesses must be solvent and have a demonstrated ability to pay their monthly obligations over the next 12-18 months. Additional capital beyond the existing debts is available if the financial strength of the client warrants.

Note: Clients are strictly prohibited from obtaining additional loans or investment capital (“stacking”) from 3rd parties during the funding term. If the client has expansion opportunities during the funding term, lender will consider providing additional capital as long as client can demonstrate a clear path to repayment.

Payment cycle: Monthly or weekly (client choice)

Amount: $100k - $2mm (more on a case by case basis)

Some additional notes on Consolidations:

Minimum funding $100k, Maximum $2M (more on a case by case basis)

On average this will reduce client payments to about one third of what they are paying now. All fifty states, almost all industries

There is theoretically no limit on the number of positions that can be consolidated (we have consolidated eight positions more than once)

We do NOT stack on any lender. So we either consolidate all open MCAs... or none of them.

We also do NOT allow clients to stack on us. Our client is the one who used MCA funding, saw how it was killing their business with high daily payments, and wants out.

Average turn around 2-3 weeks (We are not a MCA lender, so we have a more in-depth underwriting process)

IMPORTANT: Perhaps the biggest driver for approval is NET income. There needs to be enough net income at the end of the month for the client to comfortably make their monthly payments, with margin left over (e.g. Monthly payments cannot exceed 70% of monthly net income).

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