A reverse consolidation is a new merchant cash advance that pays your existing MCA debits for you — through weekly deposits — while you repay the new funder on a slower schedule. It lowers today's payments, typically by 25–60% according to providers, but it does not pay off the old advances, and the total you owe usually rises.
How does a reverse consolidation work?
01 · Consolidation
Old advances are paid off
02 · Reverse consolidation
Old advances keep running
What the five providers actually claim
What we found in the five provider pages
Reverse consolidation is sold on the payment reduction. We recorded what each provider publishes about the reduction, the requirements, and what happens to the advances you already have.
- 25–60%
- Payment reduction advertised
- 0 of 5
- Describe paying off the old advances
- 2 of 5
- Publish a minimum revenue
- 1 of 5
- Publishes a funding range
Three of the five publish a figure; the other two describe the product without one.
All five keep them running or fund them. That is the structural difference from consolidation.
$10,000/mo and $25,000/mo across the two that state one.
$25,000–$2,000,000. The rest leave the amount to underwriting.
The trade-off, in numbers (illustrative)
Three stacked MCAs debiting $1,000 per business day
- Weekly debits today (old advances)$5,000
- Your net weekly payment with a reverse consolidation$2,750
- Deposits the new funder sends over 12 weeks$60,000
- What you repay the new funder (factor 1.45)$87,000
How is it different from consolidation or settlement?
| Reverse consolidation | Consolidation | Restructuring | Settlement | |
|---|---|---|---|---|
| Old advances | Keep running | Paid off | Amended | Closed for less |
| Total owed | Goes up | Same or higher | Same | Goes down |
| Payments now | Lower | One payment | Lower | Lump sum |
| New contract | Yes | Yes | Amendment | Settlement agreement |
| Fits when | Short cash squeeze, business still healthy | Still financeable | Funder cooperates | Already in default |
| Guide | — | Lenders compared | Restructuring | Settlement |
Who is a reverse consolidation right for?
Option 01
Can make sense
2+ stacked advances, revenue steady or recovering, and the problem is the daily debit — not the business.
- Best when
- A temporary squeeze you expect to end as the old advances pay down.
- Watch out
- Only if total payback is affordable.
Option 02
Usually a mistake
Revenue is still falling, debits are already bouncing, or you plan to take more advances.
- Best when
- Look at restructuring, settlement, or legal advice instead.
- Watch out
- More contracts in default, more fees, more guarantees.
Which providers offer reverse consolidation?
| Provider | Type | Payment relief advertised | Min revenue | Time in business | Old advances |
|---|---|---|---|---|---|
| Integra Commercial | Role not disclosed | 25–60% | $25K/mo | 6 months | Keep running |
| AltFunding | Says direct lender | 30–60% | Not disclosed | Not disclosed | Taken over, "doesn't wipe the slate clean" |
| ReverseConsolidation.com | Role not disclosed | Example: 47% | Not disclosed | Not disclosed | Run their course |
| Shield Funding | Role not disclosed | Not disclosed | Not disclosed | Not disclosed | Funded by deposits |
| Funderial | Broker | Not disclosed | $10K/mo | 1 year | Not described |
| Provider | Amount | Term | Min credit | Min revenue | Payment relief |
|---|---|---|---|---|---|
| Integra CommercialRole not disclosedMCA reverse consolidation through a "nationwide lending network"; relief usually comes from extending the term. | Not disclosed | Not disclosed | Not disclosed ("matters less than cash flow") | $25,000+/mo | Yes — 25–60% payment relief advertised |
| AltFundingRole not disclosedReverse consolidation that takes over existing daily or weekly MCA payments; describes itself as a direct lender. | Not disclosed | Not disclosed (longer than current advances) | Not disclosed | Not disclosed | Yes — 30–60% lower payments advertised |
| ReverseConsolidation.comRole not disclosedWeekly funding equal to your combined MCA payments; example shows a $661/day stack lowered to $312. | Not disclosed | Not disclosed | Not disclosed | Not disclosed | Yes — core product |
| Shield FundingRole not disclosedReverse consolidation alongside other consolidation routes: deposits cover existing payments, then a smaller separate repayment. | Not disclosed | Not disclosed | Not disclosed | Not disclosed | Yes |
| FunderialBrokerBroker; lists "MCA / reverse consolidation" with a lender network. | $25,000 – $2,000,000 | Not disclosed | 500+ (flexible) | $10,000+/mo (guideline) | Named on the page, not described |
Names link to each provider's own page. Every figure checked 2026-10-23. “Not disclosed” means the page does not state it.
Listed in order of how much each provider publishes — not a quality ranking. We have no paid relationship with any of them.
What should you ask before you sign?
Total payback in dollars
Deposits received vs. amount you repay.
Deposit schedule
How much, how often, and for how many weeks.
What stops the deposits
Missed payment, a new advance, a revenue drop?
Who the funder is
The name on the contract, not the website.
Personal guarantee
A new contract usually means a new guarantee.
Early-payoff discount
Whether paying sooner lowers what you owe.
Frequently asked questions
What is a reverse consolidation?
A reverse consolidation is a merchant cash advance product for businesses with several stacked MCAs. Instead of paying the old advances off, a new funder sends you regular deposits — usually weekly — that cover your existing daily debits. You repay the new funder on a slower schedule, so your net payments drop while the old advances run their course.
Is a reverse consolidation a loan?
Usually not. Most are structured like other merchant cash advances: a purchase of future receivables with a fixed payback amount. The name "reverse consolidation loan" is common in advertising, but read the contract to see what you are actually signing.
What is the downside of a reverse consolidation?
It adds a contract rather than retiring the old ones, so the total amount you owe usually goes up. Your existing funders keep their UCC filings and keep debiting until each advance is paid. If the business keeps declining, you can end up in default on more contracts than before.
How much can a reverse consolidation lower payments?
Providers in this comparison advertise reductions of roughly 25% to 60%, depending on the offer. That is a cash-flow change, not a cost saving: the lower payment usually comes from stretching the term.
Can a reverse consolidation be reversed or cancelled?
Once funds have been deposited, you owe the agreed payback under the contract. Before signing, ask whether there is any early-payoff discount and what happens if you want to stop the weekly deposits.