Lower your MCA payments or get new working capital
Tell us what your business needs and we’ll match you with a funding partner that offers it: a consolidation loan that pays off your existing advances, a reverse consolidation that eases your daily debits, or new working capital to keep growing. It’s free to you and there’s no obligation.
- Combine multiple MCAs into one predictable payment
- Ease daily and weekly debits with a reverse consolidation
- Get new working capital for payroll, inventory or growth
- Get matched with partners who specialize in your situation
Choose what you’re looking for on the form and we’ll match you with a partner experienced with businesses in your industry and situation.
Lighter Payments is a free matching service, not a lender. Financing is provided by our partners and is subject to approval. Rates, terms, savings and results vary; not every business will qualify.
See if you qualify
Takes about 60 seconds. Free, no obligation.
Prefer to talk? Call (888) 732-9686
Does this sound like your business?
Whether you’re carrying several advances or need fresh capital, here’s who we help most often.
Two or more positions
You’ve stacked advances and the debits now overlap.
Daily debits eat payroll
Withdrawals hit before you can cover staff, rent or inventory.
Renewal cycle
You keep renewing just to stay current on the last advance.
Need capital to grow
You have steady revenue and need funds for payroll, inventory, equipment or expansion.
What we can help with
Tell us what you need on the form and we’ll match you with a partner that offers it.
MCA consolidation
A business loan pays off your existing advances, so several daily or weekly debits become one predictable payment on a set schedule.
Reverse consolidation
A funding partner covers your existing daily or weekly MCA payments as they come due, and you repay that partner on a smaller, less frequent schedule. An option when paying everything off at once isn’t possible.
New working capital
Need funds for payroll, inventory, equipment or growth? We can match you with partners that offer business term loans, lines of credit and revenue-based financing.
Not sure which fits?
Pick the closest option on the form. The partner who calls will walk through what you qualify for, in writing, before you commit to anything.
How it works
- 1
Tell us what you need
Choose consolidation, reverse consolidation or new working capital, then share your revenue and any current advances. It takes about a minute.
- 2
Get matched
A partner that offers what you asked for reaches out, usually by phone the same business day.
- 3
Review your offer
If you’re approved, the partner explains the rate, term, fees and payment in writing. You decide whether to move forward.
Straight answers, up front
Here’s how our matching service works and how we’re paid.
Common questions
What is MCA consolidation?
An MCA consolidation loan is a business loan that pays off your existing merchant cash advances. Instead of several daily or weekly debits to different funders, you make one payment to one lender on a set schedule.
Who are you, and who will contact me?
Lighter Payments is a matching service. After you submit the form, a partner from our Partners page may call, text or email you. You’re never obligated to work with them.
Will this hurt my credit?
Submitting this form doesn’t involve a credit check. If you apply for a loan, the lender may review your credit as part of its approval process and will ask your permission first.
How much does it cost?
Our matching service is free. The lender sets the loan’s rate, term and fees, and you’ll see them in writing before you sign anything.
How fast will I hear back?
Usually within one business day. How fast a loan funds depends on the lender and your application.
Can you help if I need new funding or a reverse consolidation?
Yes. Choose “Reverse consolidation” or “New working capital” on the form. We’ll match you with a partner that offers that type of business financing. As with consolidation, our service is free and there’s no obligation.
Who qualifies?
Partners generally look for an operating business with steady monthly revenue. Consolidation and reverse consolidation are for businesses with at least one active MCA.
See what’s possible for your business
Free, no-obligation match for MCA consolidation, reverse consolidation or new working capital.