Trucking LLC, 4 trucks · Las Vegas, NV · 6 months
Las Vegas Trucking Escaped MCA Trap With a $50K Consolidation LOC
Member stuck in 3 stacked MCAs consolidated into a single $50K bank LOC and stabilized cash flow.
MCA stack outflow
$4,200/wk$1,100/wk
Bank LOC
$0$50,000
Challenge
Three stacked MCAs were pulling $4,200/week from the operating account. Cash flow had collapsed; payroll was at risk.
Approach
- 01Stabilized bank statements: cleared NSFs, restructured deposit timing.
- 02Negotiated reduced settlements on two MCAs and refinanced the third.
- 03Built business credit profile for bank LOC qualification.
Outcome
$50K bank LOC at 11.8% APR replaced the MCA stack. Weekly outflow dropped from $4,200 to $1,100.
FAQs
Can I refinance an MCA?
Yes — through MCA-specific consolidators, bank LOCs, or term loans depending on credit and cash flow. The key is ending the daily/weekly remit cycle.
Get the same outcome
Run a free assessment and see your own roadmap.
Members get tri-bureau credit analysis, a personalized roadmap, business credit setup, and funding readiness scoring inside one AI-powered command center.