MCA Refinance & Buyout

Convert expensive daily MCA payments into revenue-based financing that adjusts with your sales. We pay off your current funder directly — often the same day.

What Is MCA Refinance & Buyout?

MCA refinance and buyout is when a new direct lender pays off your existing merchant cash advance balance with your current funder and replaces it with a new advance — typically at better terms. Quick Biz Capital is an honest, trusted, and very professional direct lender that specializes in this exact move: we underwrite from our own capital, pay off your current funder directly, and replace your fixed daily MCA payment with revenue-based financing that automatically adjusts with your sales.

The difference for cash flow is immediate. A fixed daily MCA payment ignores your real revenue pattern — it debits the same amount whether Tuesday was dead or Saturday was packed. A revenue-based replacement scales with deposits, so when sales dip, your payment dips. When sales jump, you pay it down faster. Either way, you stop hemorrhaging cash through slow periods.

When MCA Refinance Makes Sense

Not every MCA needs to be refinanced. But these are the signals that a buyout will materially improve your business:

• You have a high factor rate (1.4+) and the effective APR is consuming margin you cannot afford to give up
• Stacked MCAs — two or more advances from different funders all hitting your bank daily
• Fixed daily payment does not match real revenue — seasonal swings, lumpy revenue, slow weekdays
• You need extra capital on top of the payoff — refinance unlocks new working capital with the new advance
• Your current funder is unresponsive or aggressive on collections — getting out is its own value
• You are using new advances to pay old ones — refinancing breaks the cycle

How the Quick Biz Capital Buyout Process Works

Step 1: Assessment (15 minutes)

We review your current MCA balance, factor rate, daily payment, time remaining, and your last 3 months of business bank statements. Soft credit pull only.

Step 2: Payoff Letter (1-4 hours)

We request a payoff letter directly from your current funder so we know the exact amount needed to retire your advance. If you have multiple stacked MCAs, we coordinate payoff letters from all of them.

Step 3: Replacement Advance (2-hour decision)

We structure a new advance that covers the payoff and adds working capital on top. You choose between fixed payments or revenue-based — most operators move to revenue-based for the cash-flow flexibility.

Step 4: Direct Payoff + Funding (24 hours, often same-day)

We wire payoff to your current funder(s) directly and deposit the remaining cash to your business bank account. Old advance closed. New advance live. Daily debit replaced.

Real Recent MCA Buyouts

Refinance vs Staying With Your Current MCA

Frequently Asked Questions