Stacked advances,
consolidated in days.
Replace 2-5 existing merchant cash advances with one longer-term position. Daily debits typically drop 30-55% the day we fund. Goliath handles every payoff wire directly with your existing funders.
- Pay off 2-5 existing advances
- Lower daily debit, longer term
- $25K to $2M consolidations
- 3-5 business days to close
Risk-free, no-commitment application. No hard credit pull to check options.
$10B+ deployed
Across 50 states
24-hour approvals
Most offers same-day
Direct lender
Not a broker
No upfront fees
Zero application cost
When the debits start eating the deposits.
Stacking happens to good operators. The first advance solved a real problem — a slow quarter, a build-out, a payroll bridge. The second one came in because a broker called with an easy renewal and you needed a little more runway. By the third, the daily debits had started to compound. By the fourth, your bookkeeper was juggling NSFs on Monday mornings and you were watching the operating account every two hours. By the fifth, vendors were getting paid late and you were starting to think about which positions to default.
This pattern is not a character flaw. It is what the MCA industry produces when an operator borrows from brokers who specialize in stacking rather than restructuring. Each advance is small enough to look survivable. Each holdback is small enough to ignore. Stacked, they consume 70% to 110% of daily deposits. The business is not failing — the structure is failing.
What consolidation actually does
A proper consolidation is not a bigger advance. It is an engineered restructure. We model every position you currently carry: remaining balance, daily debit, days left, factor rate, and counterparty. We size a new position large enough to pay off the highest-cost balances first, stretch the new term to match the revenue you actually generate, and rebuild the debit so a single morning ACH leaves room for vendors, labor, and rent. The math is concrete: if your current stacked debits average $3,200 a day across four positions, a consolidation in the $400K to $600K range typically lands you in the $1,400 to $1,900 a day range on a 12 to 18 month term.
Where it goes wrong without expertise
Most brokers who pitch consolidation are actually selling stacking dressed up in different language. They quote a new $200K advance, take a 12% commission, and leave the existing positions in place. Two weeks later you have six positions instead of four and a worse problem. A true consolidation pays the existing positions off the day funding hits. We send the wires directly to your existing funders, collect closing documentation, and verify the positions are closed. You should not be wiring payoffs yourself — that is how merchants get burned.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly revenue
- 500+ credit score
- 4 months of bank statements
From stacked stress to a single position in under a week.
- 01
Send positions + statements
Four bank statements plus a current statement or contract from each existing MCA. We model the full payoff stack same day.
- 02
Receive consolidation offer
Inside one business day you'll see the consolidated structure: new amount, term, daily debit, and net savings vs. your current stack.
- 03
We collect payoff letters
Our team contacts each existing funder, requests formal payoffs, and verifies the wire amounts. No calls from you required.
- 04
Single wire, positions closed
We fund the new position, wire each payoff directly, and confirm closure. Your morning debits drop the next business day.
An honest read on the underlying business.
Not every stacked merchant should consolidate. A consolidation is the right instrument when three things are true. First, the underlying revenue is intact — your deposits today are roughly what they were before the stack got heavy. Second, the daily debits have become structurally unsustainable but not catastrophic — NSFs are showing up but the business is still operating. Third, you have at least four months of clean deposit history to underwrite from. If those three conditions hold, the consolidation math almost always works.
Consolidation is the wrong instrument in a different scenario: when the business itself has deteriorated. If deposits are down 30% or more from the period when the original advances funded, the right move is not a refinance. It is a restructure or a workout with the existing positions. Adding a fifth funded position to a business with shrinking revenue is how operators end up in default and personal-guaranty territory. We turn down consolidations every week for exactly this reason — not because the file fails our box, but because the math will not save the merchant.
Reverse consolidation as an alternative
For operators with five-plus positions or with one or two especially aggressive funders who will not cooperate on a payoff, we structure a reverse consolidation. A smaller new position funds alongside your existing stack and the new advance's debits are sized so that, combined with your existing debits, your total daily outflow drops. As the old positions retire on their original schedules, the relief compounds. It is a slower fix than a full consolidation but it works when a full payoff cannot be cleanly executed.
What the file should look like
The strongest consolidation candidates we see share a profile. Monthly deposits at or above the level that originally produced the first advance. NSF counts under ten per month across all accounts. A coherent reason the stacking began — usually a build-out, an expansion, or a one-time crisis — rather than chronic operating losses. Owners who are calling us before they are in default rather than after. If that describes your situation, we will quote inside the day and most likely close the file inside the week.
See what you could qualify for.
A real-time indicator based on monthly revenue and time in business. Apply for an exact offer in under five minutes.
Conservative
$42,000
Likely offer
$53,813
Upper range
$65,625
Estimates only — actual offers depend on full underwriting.
Questions worth answering.
Related funding and reading
Merchant Cash Advance
The base product and how factor rates and holdbacks actually work.
Working Capital Loans
Lump-sum capital with fixed terms — sometimes a better path than refinancing.
Revolving Capital
Draw-as-needed structures for operators tired of one-shot lump sums.
Restaurant Funding
Stacking patterns and consolidation math specific to food service.
Trucking Funding
How fleet operators consolidate factoring advances and equipment positions.
How to Stop MCA Stacking
The behavioral and structural fixes that keep operators out of the cycle.
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