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HomeToolsMCA consolidation calculator
Consolidation

How much cash would consolidating your advances free up?

Stacked daily payments can eat a business alive. Enter what you owe and what leaves your account every day, and see what one longer, lower payment could look like.

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$120,000
$1,600
24%
Illustrative — actual pricing depends on your file.
18 months
Estimates only, not an offer or an APR disclosure. Nothing you enter leaves your browser and no credit is checked.
Monthly cash freed up
$26,716

From $34,720/mo down to $8,004/mo

Current monthly outflow
$34,720
New monthly payment
$8,004
New weekly equivalent
$1,847
Current payoff horizon
3.5 months
Get real numbers on your file

Four minutes · Soft review · No obligation

Results are estimates for comparison only, not an offer of credit or financial advice.

Tool questions

Questions we get every night.

Replacing several advances with one longer-term product so a single, smaller payment replaces multiple daily debits.
Not always in total dollars — it usually lowers the payment by stretching the term. The goal is survivable cash flow. We show you both sides.
Often, yes. Revenue and deposit history matter more than score for most consolidation programs.
All 30 questions Ask Night Fox something else
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Ready when you are

When your bank says no. We find who says yes.

A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.

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Soft review · No obligation · No impact on your credit score

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