Reverse Consolidation Calculator
A different beast from straight consolidation. The reverse-consol lender pays your existing daily remits — you pay them ONE lower daily payment instead. Relief now. Cost premium later. Model both before you sign.
Your current stacked positions
Add each open MCA. Remaining balance = total payback still owed (not original advance amount).
Current daily burn
Reverse-consol product terms
Total payback = full amount you owe the new lender. Advance period = days they pay your existing remits before flipping you onto the new daily.
Relief vs cost
When reverse consolidation actually makes sense
The case for it:
- Your daily remit is >15% of revenue and choking operations — payroll, rent, vendor payments are sliding.
- You need 30-60 days of cash-flow relief to land a contract, fill an order, or get past a seasonal trough.
- The cost premium (extra you'll pay vs straight paydown) is <25% of your current debt. Above that, the math gets ugly fast.
When to skip it:
- Daily relief is less than 15% of current burn — you're trading meaningful cost for a small breath.
- Cost premium >40% of current debt. You'd be better off negotiating a hardship modification with one of your existing funders.
- You don't have a clear plan for what changes by the time the advance period ends. Reverse-consol pushes the problem forward — it doesn't solve it.
A note on the product: reverse consolidation is structurally a new advance that "absorbs" your existing remits. The new lender takes risk on your existing funders performing, which is why the cost premium exists. It's not a loan — it's not regulated as one — and the underwriting is fast (often 48-72 hours). Use it as a cash-flow bridge, not a debt-reduction strategy.
Which path fits you?
This tool helps three audiences. Pick the one that's you.
I'm a small business owner
Reverse-consol specialists in our network. Daily-burn relief, fast.
Get capital →
I refer deals to Lending by JLFG
Reverse-consol modeling + funder relationships built for stacked deals.
Join the network →
I'm an institutional funder
Quality reverse-consol deal flow — pre-screened multi-position borrowers.
Partnership inquiry →
Related tools
Position Consolidation Calculator
If your statements have healed, a true consolidation is cheaper than a reverse consol.
Bank Statement Quick-Grader
Check whether your statements are strong enough to qualify for a true consolidation instead.
Cost of Capital Compared
Compare the all-in cost of the reverse consol vs a term loan or LOC.