The Power Trio Behind Real Business Growth

A business professional holding a glowing digital chart representing financial growth and stock data. This image reflects the shifting landscape of business finance following the SBA’s recent ban on MCA refinancing, urging business owners to explore more stable and compliant funding alternatives.

Running a business shouldn’t feel like fighting fires with one hand tied behind your back. You deserve real relief, a clear path forward, and a team that builds with you—not just bills you. That’s where Advance Consolidation Experts (ACE) comes in. We’re not just here to fix MCA debt. We’ve built a powerhouse network of […]

SBA Just Banned MCA Refinancing—Here’s What Business Owners Need to Know

mca refinancing alternatives

June 1, 2025 marked a seismic shift in small business lending: the U.S. Small Business Administration (SBA) has officially prohibited using SBA loan proceeds to refinance Merchant Cash Advances (MCAs) and factoring debt. See official SBA guidance here . This MCA refinancing ban affects all major SBA programs, including: Standard 7(a) Loans 7(a) Small and […]