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 hear the same myths over and over again from clients who come to us after MCA debt has spiraled out of control. Let’s break them down.
🚫 Myth #1: “MCAs Won’t Hurt Your Credit.”
The Truth: MCA companies often tell you they don’t report to credit bureaus. What they don’t mention is the lawsuits, liens, and judgments that follow when payments fall behind. Those legal actions do damage your credit and your ability to qualify for future financing.
🚫 Myth #2: “MCAs Are Just Like a Loan.”
The Truth: MCAs are not loans—they’re a sale of future revenue. That means you’re often paying back 30%–200% APR (or more) in just a few months. Unlike loans, MCAs don’t build business credit and don’t provide long-term stability.
🚫 Myth #3: “Daily Payments Are Easy to Manage.”
The Truth: Daily or weekly pulls drain your cash flow and make it impossible to plan ahead. If your sales dip, you’re still on the hook—leaving many business owners forced to stack more MCAs just to survive.
🚫 Myth #4: “You Can Always Refinance with an SBA Loan Later.”
The Truth: As of June 1, 2025, the SBA has banned refinancing MCA debt with SBA proceeds. That door is closed. Your only viable option is working with a private lender like ACE to consolidate and stabilize first.
🚫 Myth #5: “MCAs Help You Grow.”
The Truth: In reality, they restrict growth. With cash flow eaten up by daily withdrawals, you can’t invest in marketing, staff, or expansion. You’re stuck in survival mode—not growth mode.
The ACE Solution: Facts Over Myths
At Advance Consolidation Experts (ACE), we cut through the MCA noise.
Here’s how we help:
- Consolidation into ONE monthly payment (instead of daily withdrawals)
- Up to 90% payment reduction for qualified businesses
- Legal expertise for MCA lawsuits, liens, and judgments
- Private lending solutions—transparent, compliant, proven
Don’t Fall for MCA Myths
If an MCA company’s pitch sounds too good to be true, it probably is. Don’t let myths dictate your business future.
✅ Use our free MCA Calculator to see your potential savings: consolidatewithace.com
