Step 1: Stop the stacking
Every new advance adds another daily withdrawal. List every advance with its remaining balance, holdback, and payment frequency to see the full picture.
Step 2: Consider consolidation
Kacu debt consolidation pays off existing advances and replaces them with a single structured payment, often reducing both total cost and daily strain on your account.
Step 3: Request reconciliation
Many MCA agreements allow payments to be adjusted if your sales decline. Ask your provider for a reconciliation based on actual revenue.
Step 4: Fix the underlying cash flow
Use the tips in our cash flow management guide so you do not need short-term advances again.
Frequently asked questions
Can you consolidate merchant cash advances?
Yes. Consolidation lenders can pay off multiple advances and replace them with one loan, typically with less frequent payments.