MCA Payoff Loans · NC · SC · GA · TN · VA
Daily or weekly merchant cash advance draws are draining your cash flow. If you own investment or commercial real estate with equity in it, we can lend against that equity so you can pay the MCA off in full and replace it with one monthly payment.
Loan Terms at a Glance
How an MCA Payoff Loan Works
A merchant cash advance is paid back out of your receipts every day or every week. That schedule is what strangles a business — not the balance itself. An MCA payoff loan replaces that balance with a short-term loan secured by real estate you own.
We lend against the equity in the property, not against your credit or your bank statements. The loan pays the MCA off at closing. You make one interest-only payment a month and pay the loan off when you refinance, sell, or your cash flow recovers.
The property. Address, what it's worth, and what's owed on it. Investment or commercial property only — we don't lend on the home you live in.
The MCA. Who the advance is with, the payoff balance, and the draw schedule. Several advances are fine — we can pay them all off at closing.
The exit. How the loan gets paid back in 6–12 months: a refinance, a sale, or recovered cash flow once the draws stop.
Why REI Transactional
Most lenders won't touch a borrower with MCA debt on the books. We underwrite the real estate. If the equity is there and the exit makes sense, we can move.
We lend on the equity in the property. We do not pull credit on most deals, and MCA stacking on your bank statements is not an automatic decline.
Interest-only, once a month. No daily ACH. No weekly draw against your receipts. Your operating cash stays in the business.
No appraisal required on most deals. We respond within 1 business day and can close in days once title is clear, not weeks.
Free-and-clear property gets a first lien up to 75% LTV. Property with a mortgage on it gets a second lien up to 65% combined LTV — your first mortgage stays untouched.
Refinance into cheaper long-term debt or sell the property whenever you're ready. Pay us off early and pay nothing extra.
These loans pay off business debt and are secured by non-owner-occupied property. They are not consumer loans and cannot be secured by your primary residence.
How It Works
Four steps from application to a paid-off MCA.
Tell us about the property, what's owed on it, and the MCA balances you want paid off. No credit pull.
We size the loan off the equity and respond within 1 business day with a yes, a no, or what would make it work.
Rate, fee, loan amount, and payoff plan in writing. You see every number before you commit.
At closing the MCA is paid directly from loan proceeds. The draws stop. You make one payment a month from here.
Tell us about the property and the MCA balance. We'll tell you within 1 business day whether the equity covers it and what the loan looks like.
No upfront fees · No prepayment penalty · No credit pull on most deals
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