You Didn’t Borrow What You Think You Borrowed

One of the most dangerous misconceptions about MCAs is the number business owners believe they borrowed.

What You Commit To vs. What You Receive

Let’s say you “borrow” $100,000.

In reality:

  • You may only receive $75,000–$95,000

  • You commit to repaying $130,000–$150,000

  • Payments are daily or weekly

  • Terms are often 2–8 months

That’s not a loan — it’s a sale of future revenue at an extreme cost.

Why This Destroys Cash Flow

Daily debits don’t care about:

  • Slow weeks

  • Payroll cycles

  • Unexpected expenses

Margins shrink fast. Stress rises faster.

The Better Way

At ACE, we help qualified businesses:

  • Consolidate MCA obligations

  • Replace daily debits with one predictable payment

  • Regain control of cash flow

CTA 👉 Run your real numbers now: https://consolidatewithace.com

 

📞 Speak to an ACE specialist: 702.735.9800

Other Suggested Blogs:

The SBA Changed the Rules — Here’s What That Means for MCA Borrowers

Life After MCA Debt: How Businesses Grow Once Payments Are Under Control