Lower your payment
Lower Your MCA Payment
If your payments are eating up your cash, you're not stuck. There are a few proven ways to get relief, and the right one depends on how many advances you have and how your sales look.
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Your options
- Switch to weekly payments. Fewer, more predictable withdrawals that are easier to plan around.
- Consolidate. Turn several payments into one smaller one. See how.
- Stretch the term. A longer schedule means a lower payment, though you may pay more overall.
- Refinance with an SBA loan. Much lower monthly payments if you qualify. Learn more.
Act early
If you're falling behind, reach out before you miss payments. The sooner you act, the more options you have, and the better your offers will look.
Want to see what a new payment could be? Try our payment calculator.
Common questions
Can I lower my payment if I've missed one?
It's harder but often still possible. Talk to us as soon as you can.
Which option is cheapest?
An SBA refinance usually costs the least, but it takes longer and has stricter requirements. Consolidation is faster.
Ready to get funded? Get funded now