Stacked advances crushing cash flow? Consolidate into one payment.
See My Consolidation Options → Step 1: Loan info → Step 2: Business info → Step 3: Get Options
60 seconds total · Soft credit pull only
Drop your weekly outflow 20–45%. One consolidated payment instead of multiple daily or weekly draws. For operators carrying stacked MCAs who need breathing room to keep running the business.
reduction
to funding
Soft credit pull only — no impact on your credit score. Just a few quick questions. No 20 broker calls. No data resale.
trust Sunwise
Member
"Working with Sunwise has been such a breath of fresh air. They're honest, professional, and incredibly efficient."
— Cary G. · Trustpilot
Monday morning, watching the bank balance.
You took the first advance to cover a slow week. Then a second when the first one started hitting too hard. Then a third. Now Monday mornings, you watch the bank balance the way other people watch the weather.
The daily and weekly draws hit before AR comes in. Slow weeks trigger overdrafts. You're cash-flow positive everywhere except the advances. The numbers say you're running a real business. The bank statement says you're drowning.
This is one of the most common patterns we see in $1M–$10M operators. And it's one of the most fixable — if you act before the next renewal cycle locks you in deeper.
Cash flow relief consolidation, explained.
A structured funding solution that gives you breathing room over the next 3 to 12 months. We extend the payments on your existing advances into one consolidated weekly or monthly payment — so you stop bleeding daily ACH draws and start running the business again.
The point isn't to make the debt disappear. The point is to lower the weekly burden enough that you can keep operating, keep paying your team, and keep growing — instead of running every week to keep up with the funders.
Typical payment reduction: 20–45% off what you're paying now. The exact number depends on the size of the stack, the funders involved, and where you are in each advance's term. Custom pre-payment discounts available — if your cash flow recovers and you pay off early, you keep more of what you would have spent on the back end.
Every deal is customized to the file. We don't push you into a one-size product. We place you into the consolidation structure that matches your actual revenue, your real obligations, and the timeline you need.
Consolidation isn't free. We don't pretend otherwise.
Here's the trade-off in plain language, so there are no surprises when we send you actual terms.
What it does
Replaces your stacked weekly or daily pulls with one consolidated weekly or monthly payment.
Typically 20–45% lower than what you're paying now.
Cash flow relief is real. Most operators see $1,000–$10,000+ a week swing back into the operating account, depending on the size of the stack.
What we don't pretend
Total cost of capital may be higher because the term length extends.
We disclose actual deal terms in writing before you sign. You decide whether the cash flow now is worth the cost over time.
Many of our clients say yes — because cash flow runs payroll, not gross interest cost. Some say no, and we tell them when "ride out the current advance" is the right answer.
At Sunwise Capital, you get one application, one conversation, and one Sunwise expert handling your file from start to finish. Sunwise is a curated brokerage — your file goes to the specific partner lenders most likely to fund you on the best terms, never to a hopper of 50 random matches.
How this works
A nutrition services company. Seven MCAs. $784,000 in stacked debt. Consolidated.
Real client, anonymized. Industry shown.
A 50-person nutrition and dietitian services company across three states, in business since 2007. $5M in annual revenue, actively growing — opening in new states. The kind of operator that lenders should love.
They came to us with seven stacked merchant cash advances totaling $784,222. Six different funders, a mix of daily and weekly ACH draws, roughly $26,000 a week leaving the operating account before any of their own AR came in. Growing business. Drowning cash flow.
We placed them into a cash flow relief consolidation of $762,650 over 12 months — a single structured weekly payment in place of the seven daily and weekly draws. Funded February 2026.
Result: roughly 30% reduction in weekly outflow. They kept the business growing. They kept hiring. They kept the expansion plan on track.
"I had 7 MCAs and over $750K in debt. I was under the gun and needed another position. My payroll was late. We tried to make cuts, so the next payroll would be 20% less. You cut my outflow by 30%. Immediately improved my bottom line. You handled it and funded in a day."
Common questions
Stop the weekly draws. Drop your payment 20–45%.
See the consolidation options your business actually qualifies for. 60 seconds. Soft credit pull only — no impact on your credit score. A Sunwise specialist calls within minutes.
See My Consolidation Options →Soft credit pull only. No impact on your credit score.