Position Consolidation Calculator
Have 2 or 3 MCAs stacked? Daily remits eating your float? Enter your current positions and see if a consolidation or reverse-consolidation actually saves money.
Your current positions
Add each open advance. Remaining balance = total payback still owed (not original advance amount).
Current burn
Consolidation offer
A consolidation pays off your current positions and replaces them with a single new advance. Enter the proposed new terms:
Comparison
When does consolidation actually make sense?
The math wins when:
- Your stacked positions average a factor > 1.40 and a consolidation offers 1.30 or below.
- You can extend the term (e.g., 90 days remaining on stacked debt → 240-day new term) which lowers daily remit dramatically even if total cost is similar.
- The cash-out portion (new advance minus payoff total) is enough to actually use for the growth investment that justified the original stack.
The math loses when:
- You're consolidating just to reduce daily remit but the total cost increases by >15%. Look at reverse consol or hardship modification instead.
- Your current positions are close to paid off (<30 days remaining) — let them roll off naturally.
- Consolidation funder requires you to NOT take additional positions for 90+ days. If you'll need capital again sooner, the lockout is expensive.
Reverse consolidation is a different product — a new lender pays your daily remits while you make a single (lower) daily payment to them. Useful when total cost matters less than cash-flow relief. Ask about reverse consol if your daily remit is >15% of revenue.
Which path fits you?
This tool helps three audiences. Pick the one that's you.
I'm a small business owner
We negotiate consolidation offers with funders that fit your profile.
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I refer deals to Revenue-Based Financing by JLFG
Model multi-position consolidation deals in seconds. Commission visible.
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I'm an institutional funder
Get matched consolidation deals from brokers who've vetted the stack first.
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Related tools
Reverse Consolidation Calculator
Can't qualify for a true consolidation yet? Reverse consol relieves the daily burn instead.
Daily Remit Calculator
Recompute the daily remit on the consolidated payoff to confirm cash-flow relief.
Bank Statement Quick-Grader
Funders pull statements before consolidating — see your grade first.