What is a reverse consolidation MCA, and how is it different?
Owners with several advances: see how reverse consolidation works.
Not a lender.
We work the file, not a single product.
Shopped for fit.
Sent only where it matches, and nowhere else.
You make the call.
Funders' terms in writing. Nothing moves until you choose.
- Cost to apply
- Nothing. Applying asks for no payment.
- Credit
- Ask how any credit review works before you sign.
- Speed
- We make no timing promise. Each funder sets its own review time.
- Offers
- Each one shows total payback and terms from the funder.
How does reverse consolidation differ from standard consolidation?
Standard consolidation pays the old balances at once. Reverse consolidation covers the old pulls as they come due.
| Feature | Reverse consolidation | Standard consolidation |
|---|---|---|
| Old advances | Keep running until paid | Paid off at funding with payoff letters |
| How money arrives | In installments, timed to the old pulls | Sent to old funders in one step |
| Your pull | One pull to the new funder, often weekly | One pull to the new funder |
| Main cost question | What is the total payback on the new advance? | Is the new total less than the old balances left? |
| Contract point | Whether old contracts allow more financing | Payoff amounts and early payment terms |
What should an owner check before agreeing?
Check the total payback, the installment schedule, and what happens if an installment is late.
The installment schedule
The new funder sends money on a set schedule. It should line up with the days the old pulls land.
A late or missed installment
If an installment arrives late, an old pull can bounce. Ask what the contract says about that case.
Old contracts and new financing
The old advances are still open, so their terms on more financing still apply. Some may count this as another advance.
The longer term
Paying one funder over a longer time can ease the week. It can also raise the total you repay.
Items inside the total payback
Your total cost is the new funder's total payback. The old balances are paid from the installments, so do not add them on top. Florida's disclosure section calls for a written disclosure at or before closing, and it is linked under Sources.
FAQ
Does a reverse consolidation cost more than paying off my advances?
It can, since the term is longer. Compare the new total payback with what is left on the old advances. Ask for every fee in writing.
Will a reverse consolidation affect my credit?
Ask how any credit review works before you sign. The reverse consolidation funder sets its own steps.
When do the installments start?
The schedule is set in the contract. It should match the days the old pulls hit. No timing is promised before an offer.
Does a reverse consolidation count as another advance?
Old contracts may treat it that way. Read each one's terms on more financing first.
Next step
Owners can contact the desk and list every open advance. Brokers can send files through the partner program.
Call 877-FUND-654Sources
- Florida Statutes section 559.9613: Florida's written disclosure requirement cited under items inside the reverse consolidation payback; fetched 2026-09-24.
Last updated .
Send one file.
See what fits.
Call or email the desk with your current advances. Afterfirst MCA is not a lender.