Consolidation is a tool with a right time and a wrong time. Here is the decision math we run on real files, so you can run it on yours.
Consolidation gets pitched as the answer to everything and dismissed as a trap, usually by people selling something either way. The truth is cleaner: it is a tool with a right time and a wrong time, and the difference is arithmetic you can do in ten minutes. Here is the math we run on real files every week, structured up to $1M when the numbers say go.
Add every daily and weekly pull into a monthly number and divide by your true monthly deposits. Under 20 percent, you are carrying it fine. Twenty to 35 percent, you are tight and one slow month from trouble. Over 35 percent, the remittances are running the business, and consolidation is usually worth pricing immediately. If you are not sure how funders calculate your true deposits, this guide shows the adjustment.
How far along is each position? This is the number that flips the decision. Positions under half paid have a lot of expensive runway left, and replacing them with one longer, lighter payment saves real money and real stress. Positions 70 percent paid or better are nearly dead; consolidating them means paying a new cost on balances you had almost killed, and the honest answer is usually to finish strong and then set up one clean facility for the future.
Mixed stack? Common, and solvable: consolidate the young positions, ride out the old ones. This is exactly the kind of structuring a real broker earns their keep on.
Two or more of those and the math has already decided; the full picture of how stacks tighten is in the stacked advances guide.
One new position pays off every balance and replaces the pile of pulls with a single payment, typically weekly, on a longer term. Run your own numbers in the consolidation estimator: total your current pulls, see the single-payment equivalent, and look at the monthly relief. When balances are too fresh to pay off outright, a reverse consolidation buys immediate breathing room instead, at a higher total cost that we will always show you before you sign.
Deposits that can carry the new single payment, payoff letters on the existing positions, and honest disclosure of everything you owe. Files that look “too buried” get approved more often than owners expect, because a consolidation underwriter is specifically looking at what your cash flow becomes after the old pulls disappear.
Want the real answer for your stack? Apply here, statements upload in the app, and we will tell you within about a day whether consolidation saves you money, and exactly how much. If it does not, we will tell you that too. Call or text (848) 420-8444 any time.
Send us your positions and we will run the real math, free. One straight answer about whether consolidation gives your business room to breathe, with no pressure either way.