MCA Consolidation

We consolidate and restructure your MCA debt

Merchant cash advance companies offer fast and simple business funding solutions for small businesses in need of capital. A merchant cash advance (MCA) is not a loan but rather a purchase of future receivables. While the funds can be deployed very quickly, daily and weekly payment terms can be taxing on a company’s daily cash flow.

We understand that your business is more than its current debt problem. That’s why we analyze and troubleshoot all aspects of your business. Our process pinpoints root and structural challenges and provides sustainable and long term solutions.

We believe that settling debt is a vital first step in a multi step process towards your business’s prosperity. From debt restructuring to accounting and cash flow management, our team has the expertise and background to deliver individualized and practical solutions.

How Merchant Cash Advance Consolidation Works


Submit your application


Speak to funding advisor





How can you qualify for a loan with Wing Lake Capital?

Our loan options facilitate access to cash flow by providing non-credit-based solutions for businesses. We make consolidation opportunities available by focusing on the earnings and profitability of your business, not your credit score. We base qualification on your debt schedule and profit/loss margins.

Term Length
3 years
# of Monthly Payments
Monthly Payment Reduced

Do you qualify? Our loan advisors would love to answer any questions you may have about your business loan options.

Stressed young African couple can't stand tension of financial crisis, looking unhappy and frustrated, sitting at kitchen table with calculator, trying to save some money by cutting domestic expenses

Why restructure your debt with Wing Lake Capital?

Our consolidation solutions provide multiple restructuring options that can lower your monthly payments by 60% or more!

Fast Approval Measures

Trusted and Secure Process

Quick & Easy Funding

Not Based On Credit Score

Affordable Rates

Convenient Repayment

Trusted by small businesses everywhere.

0 k+
businesses powered
by Wing Lake Capital.
$ 0 B+

Who else can benefit from MCA Consolidation?


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Merchant cash advance consolidation can also benefit restaurants, dental practices, attorneys, dry cleaners, gas stations, pharmacies, and more. No matter what industry you operate in, our expert Funding Advisors will work closely with you to select the best funding option to help you achieve your business’s goals without sacrificing cash flow.

Check out our other services

Business Line Of Credit

A Business Line Of Credit is one of the simplest business funding solutions for small businesses in need of working capital. A business line of credit provides funds specifically for use in the business and can be used to pay for operating expenses. With a business line of credit, you have a set amount you can draw on but only have to payback what you borrow.

– Flexible
– Liability-Free

– Easy Access
– Hassle-Free Application

Bad Credit
 Business Loans

A Bad Credit Business Loan provides options for those who have bad or poor credit as defined by their FICO score or credit history. A bad credit business loan will provide you with access to the funds you need by taking other factors into consideration.

– Consolidate Debt
– Access Cash

– Improve Your Credit
– Hassle-Free Application

Term Loans

A term loan is regarded as a loan with a repayment term that is three years. Compared to other types of loans, a term loan can be considered a good option if you're in need of borrowing a larger amount of money and want to have lower monthly payments.

– Access Cash
– Lower Interest Rates

– Minimize Investor Influence
– Hassle-Free Application

Frequently asked questions

To qualify for a loan from Wing Lake we need to see positive cash flow and on average $300K revenue per month or $3mm gross revenue on an annual basis

You can apply here

We invoice payments on a monthly basis

On average our underwriting process takes  2 to 4 weeks 

75% coverage is typically required