In 2025, the SBA made a critical change that many business owners still don’t realize:
SBA loan proceeds can no longer be used to refinance Merchant Cash Advances (MCAs).
That door is closed.
Why This Matters
For years, businesses used SBA loans as a way out of high-cost MCA debt. Now, even if you qualify for an SBA loan, you cannot use it to pay off MCAs or factoring agreements.
This leaves many business owners stuck — unless they know where to turn next.
What the SBA Will Still Allow
You can still:
- Apply for an SBA loan
- Operate with existing MCA debt
But you cannot refinance or consolidate MCAs using SBA funds.
Where ACE Comes In
ACE is a private lender, not a bank. That means:
- We are not bound by SBA restrictions
- We specialize in MCA restructuring and consolidation
- We provide solutions SBA loans no longer can
For qualified businesses, ACE can consolidate multiple MCAs into one structured, manageable payment — without defaulting.
The Right Order Matters
- Stabilize MCA debt with a private solution
- Restore cash flow and control
- Then pursue SBA financing later, if appropriate
CTA
👉 Start with the free calculator: https://consolidatewithace.com
📞 Call us now: 702.735.9800
