Debt Consolidation
Combining multiple advances or debts into a single new facility with one payment — often used to escape a stack.
Debt consolidation rolls several existing obligations into one new facility with a single payment. In working capital, it most often comes up as the exit ramp from stacking: an operator carrying two or three overlapping remittances takes one new advance that pays off all the positions and resets repayment to a single, more manageable pull.
It is important to be clear-eyed about the trade-off. Consolidation pricing is usually worse than a clean renewal would have been, because you are unwinding a stressed situation rather than renewing from strength. But it is typically far better than the alternative — taking yet another stacked position — because it replaces multiple competing debits with one.
The best version of this story is not to need it: size the first deal honestly, and when you want more capital, renew with your existing funder around 50% paid down instead of stacking. If you are already stacked, a consolidation conversation — not another advance — is usually the right move.
Frequently asked
How is debt consolidation different from a renewal?
A renewal is offered by your existing funder from a position of strength and pays off one balance to add capital. Consolidation combines multiple existing positions — often a stack — into a single new facility.
Is consolidation cheaper?
It is usually more expensive than a clean renewal would have been, but meaningfully better than adding another stacked position. It trades cost for a single, more manageable payment.
When should I consider consolidating?
Most often when you are already carrying multiple overlapping remittances and the combined pull is straining cash flow. At that point, a consolidation conversation beats taking another advance.
Related terms
Taking a second (or third) advance on top of an existing one, so multiple remittances hit the same deposits at the same time.
Taking new capital from your existing funder — typically around 50% paid down — that pays off the current balance and adds funds on top.
A fixed weekly payment pulled by ACH toward your total payback — more predictable than a daily card holdback.
The full dollar amount you repay over the life of an advance — funded amount times the factor rate, plus any fees.
An approval approach that weighs your real deposit activity and cash flow over the owner’s credit score.
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