Enter your total advance balances and the combined weekly payment you currently send to all your merchant cash advances, and this calculator estimates a single, lower weekly payment plus the monthly cash you could free up by consolidating or restructuring. It models a conservative 40–60% payment-reduction band that reverse consolidation and debt mediation programs typically target. It’s an illustrative estimate to size the opportunity — not a quote or offer of credit. To see real numbers, get a free debt review.
Estimate Your Consolidated Payment
Enter your numbers below. The estimate updates as you type.
Illustrative estimate based on a typical 40–60% payment reduction. Not a quote, approval, or offer of credit.
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How To Read Your Estimate
The two numbers map to the two things that matter when you’re buried in stacked advances:
- Estimated single weekly payment. Instead of several daily debits to several funders, this is roughly what one consolidated weekly payment could look like under a relief program — the payment your business actually has to live with.
- Estimated monthly cash freed up. The difference between your current combined payments and the new single payment, multiplied across a month. That recovered cash is what keeps payroll, rent, and suppliers paid.
The estimate uses a conservative 40–60% payment-reduction band. Real programs vary: debt mediation sometimes targets more relief on the payment, while reverse consolidation trades a lower payment for keeping the balances in place. The calculator is here to show the scale of the opportunity, not the exact terms.
Which Program Fits Your Numbers?
Once you can see the size of the relief, the next question is which path gets you there:
- Still current, want a lower payment? Reverse consolidation replaces several debits with one lower payment.
- In or near default, need the whole load restructured? Debt mediation consolidates all creditors into one plan, halts collections, and can remove liens.
- Account frozen or being sued? Start with a frozen account or an MCA lawsuit / COJ — then fold the resolution into a relief program.
- Still fundable on strong credit? A straight consolidation loan may be cheapest of all.
Not sure? That’s exactly what a free review sorts out — one conversation maps your numbers to the right partner.
Sources & Further Reading
- CFPB Small Business Lending Research — Research on non-bank small-business lending and merchant cash advance structure.
- FTC Business Lending Guidance — Federal Trade Commission guidance on small-business financing and disclosure.
- IRS Topic 431: Canceled Debt — Tax treatment of forgiven or reduced debt, relevant when relief reduces a balance.
This calculator and article are general information, not legal, tax, or financial advice, and not an offer of credit. Results are illustrative estimates based on a typical reduction range; actual outcomes vary by program, creditor, and approval.