Consolidating factor-rate advances into capped capital
Stacked daily-debit advances quietly throttle growth. Replacing them with a single capped, non-recourse facility frees the cash flow you need to scale.
Many growing brands end up with a stack of merchant cash advances, each with its own daily debit. The combined effect is a constant drag on liquidity that is hardest to bear exactly when revenue dips.
The hidden cost of the debit
Beyond the headline factor rate, the daily debit removes optionality. Cash that could fund inventory or media is swept automatically, forcing conservative planning and sometimes new advances to cover the old ones.
A capped, non-recourse alternative
Consolidating into non-recourse cohort financing replaces fixed daily debits with collection paced to actual cohort gross profit, bounded by a return cap. The result is recovered daily cash flow and a total cost you can see in advance.
- No daily or weekly debit — collection follows realized performance.
- A single return cap instead of stacked factor rates.
- Renewable cohort capital as proven channels reach roughly half their cap.
Educational content only — not an offer, commitment to fund, or financial advice. Figures are illustrative.