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Carrying $500K+ in MCA Debt? Here’s How to Regain Control

Big Revenue, Bigger Obligations

For many businesses, taking on Merchant Cash Advances (MCAs) starts as a quick solution to cover payroll, receivables, or growth opportunities. But once obligations reach $500K or $1M+, those “quick fixes” turn into daily pulls that strangle cash flow and threaten survival.

At Advance Consolidation Experts (ACE), we specialize in helping businesses carrying large MCA obligations regain stability—often reducing payments by up to 90% for qualified clients with our MCA Consolidation Term Loan.

The Problem with High-Dollar MCA Debt

  • Daily Withdrawals: Draining tens of thousands weekly from operating accounts 
  • Stacking: Multiple MCAs create repayment obligations far beyond revenue 
  • Hidden Costs: Fees + short terms = effective APRs often 200%+ 
  • Lawsuits & Liens: At these amounts, default leads to aggressive legal action fast 

With $500K or $1M+ in MCA debt, it’s not just cash flow at risk—it’s the entire future of your business.

The ACE Solution for High-Dollar MCA Debt

We’re not a bank. We’re not the SBA. We’re private lenders who understand MCA structures and know how to fix them.

Here’s how we help qualified businesses:

  • Consolidate multiple MCAs into ONE monthly payment 
  • Reduce obligations by up to 90% 
  • Provide immediate legal support against lawsuits and levies 
  • Stabilize operations so owners can focus on growth again 

Who Qualifies?

Our high-debt programs are designed for businesses carrying:

  • $500K+ in MCA obligations 
  • Active lawsuits or liens tied to MCA defaults 

If you’re here, you know traditional lenders won’t touch this scenario. That’s why you need ACE.

The Path After Relief

Once obligations are consolidated and stabilized, your business can:

  • Reinvest in marketing, staff, and growth 
  • Position for future SBA or bank financing (with a clean slate) 
  • Operate with clarity instead of constant stress 

Big Debt Needs Bold Action

If your MCA obligations have ballooned past $500K or even $1M, the worst thing you can do is wait. The longer you delay, the fewer options you’ll have.

ACE is built for high-debt cases. We act fast, structure smart, and protect your business.

📞 Call 702.735.9800 now
 🔗 Or use our free calculator at consolidatewithace.com

Talk to an expert

Other Suggested Blogs:

How to Use the ACE MCA Calculator to See Your Real Savings

The Top MCA Myths That Could Destroy Your Business

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702.735.9800

4730 S. Fort Apache Rd. Suite 370
Las Vegas, NV 89147

contact@consolidatewithace.com

About us

At Advance Consolidation Experts, we empower small businesses by offering consolidation loans specifically designed to eliminate the burden of high-cost Merchant Cash Advance (MCA) liabilities. Our loans, ranging from 1 to 5 years, are fully amortized and come with a single, manageable monthly payment.

We are a direct lender that creates lending products to meet the needs of our borrowers. Our MCA Consolidation Loan helps entrepreneurs regain control of their cash flow, streamline their finances, and create a clear path to long-term financial stability. Our founder and CEO brings over three decades of unparalleled expertise across multiple industries. Starting his career as a practicing attorney, he transitioned into leadership roles, including Vice President and a principal in a mortgage bank where he facilitated over 2 billion in closed transactions. He has since built a portfolio of successful ventures, leading three multi-million-dollar private companies and serving as a board member for two firms generating over 100 million in funded business loans. His diverse experience, combined with his role as a private business lender overseeing more than 100 million in funded loans, uniquely positions him to understand and address the financial challenges small businesses face. Learn more about how we help businesses thrive on our homepage.

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