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Category: MCA Debt Solutions

MCA Debt Solutions

 

Why MCA Consolidation Beats Debt Settlement Every Time

Business owner on the phone reviewing financial documents, representing the challenges and risks of choosing debt settlement and why settlement is not the best solution for managing MCA debt.

The Temptation of Settlement When daily MCA withdrawals become unbearable, some business owners turn to “debt settlement” companies promising a quick way out. On the surface, it sounds appealing: negotiate down your balance and move on. But the reality is, debt settlement often leaves businesses worse off—damaging credit, triggering lawsuits, and UCC enforcement that stops […]

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

Business professional reviewing financial documents at a desk, representing the stress and evaluation involved in managing MCA debt and seeking consolidation solutions.

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 […]

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

Business professional woman explaining to two clients how to use the ACE MCA Calculator.

Why Guess When You Can Calculate? If you’re carrying Merchant Cash Advance (MCA) debt, chances are you’ve been juggling daily or weekly withdrawals without really knowing the true cost. Most MCA companies keep it confusing on purpose. That’s why Advance Consolidation Experts (ACE) created the MCA Calculator—a free tool that shows you exactly what one […]

The Top MCA Myths That Could Destroy Your Business

Man and woman looking on laptop, observing the top MCA myths that could destroy your business.

The Myth vs. Reality Problem Merchant Cash Advance (MCA) companies are experts at selling you a quick fix. They promise “fast funding” and “easy approvals,” but behind the pitch are myths that can sink your business, damage your credit, and leave you trapped in a cycle of daily withdrawals. At Advance Consolidation Experts (ACE), we […]

MCA Lawsuits & UCC Enforcement: Why Waiting Is Not an Option

Man writing on legal documents with professional woman seen in background, representing MCA Lawsuits.

If you’ve missed payments on a Merchant Cash Advance (MCA), you already know how aggressive these companies can be. But here’s what most business owners don’t realize:the lawsuit itself is not the immediate danger—UCC enforcement and bank restraints are. MCA contracts almost always give creditors powerful rights upon default, including: Personal guarantees – putting your […]

Drowning in MCA Debt? ACE Can Cut Payments by 70–90%

Business professional working at a computer in an office, appearing thoughtful and focused, symbolizing the challenges of managing MCA debt.

Merchant Cash Advance (MCA) companies are quick to pile on funding when revenue looks strong—but the daily and weekly withdrawals quickly become unsustainable. Businesses carrying $500k to $10M in MCA debt are more common than you’d think, and many find themselves buried under repayment terms that eat cash flow alive. If you’re here, you already […]

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 […]

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Las Vegas, NV 89147

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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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