NJORD CAPITAL GROUP
Alternative Financing For Small Businesses & Real Estate Investors
Merchant Cash Advances (MCAs) Refinancing Solutions
Merchant Cash Advance (MCA) Refinance Solutions
Merchant Cash Advances (MCAs) are often taken with the best intentions—to provide quick capital and support business growth. However, multiple MCA positions can quickly become burdensome, leading to strained cash flow and unsustainable repayment obligations.
Business owners sometimes seek relief by taking on additional MCAs or entering into debt settlement arrangements. Unfortunately, these approaches often create greater financial strain, increase risk of default, and damage credit.
At Njord Capital Group, we provide structured refinancing solutions that replace daily or weekly MCA payments with one manageable monthly loan. Our goal is not just temporary relief, but long-term financial stability.
Our Refinancing Options
MCA Consolidation Term Loan
-
Consolidates multiple MCA balances into a single monthly payment
-
-
Terms available from 12 months to 24 months, amortized 3-5 years
-
Designed to reduce overall payment obligations and improve cash flow by up to 80%
Growth Term Loan (Non-SBA)
-
Loan amounts from $25,000 to $350,000
-
Terms up to 10 years
-
Streamlined underwriting based on bank statements
-
An alternative for businesses that may not meet SBA eligibility requirements
Asset-Based & Equipment-Backed Options
-
Asset-Based Lending (ABL): Financing secured by receivables, inventory, or other business assets
-
Equipment Sale-Leaseback: Unlock capital from existing machinery and equipment while retaining use of the assets.
The Process
-
Assessment – We review your MCA balances, repayment terms, and overall financial profile.
-
Structure – A refinancing program is designed to consolidate debt and improve monthly cash flow.
-
Underwriting – Submission of required documentation, including recent tax returns, bank statements, and ownership details.
-
Funding – Once approved, MCA payments are eliminated and replaced with one affordable monthly loan.
Why Choose Us
-
Focused on sustainability: Every structure is designed to improve long-term cash flow, not provide short-term fixes.
-
Experienced team: We understand the challenges of MCA debt and work with trusted lending partners to provide effective solutions.
-
Transparent approach: No hidden agendas, no settlement schemes—only financing strategies that strengthen your business.
MCA Debt Refinancing Success Story
A business approached us, overwhelmed by 6 Merchant Cash Advances (MCAs) that were severely straining their cash flow. With daily and weekly withdrawals, their total MCA balance had climbed to $305,000, creating monthly payments of about $75,000 against average monthly revenue of $170,000.
Through our refinancing partners, we arranged a tailored solution:
-
All existing MCA positions were bought out
-
Balances were consolidated into a single new loan
-
The loan carried a 12-month term, amortized over 3 years
-
Monthly payments were reduced to $18,700
At closing, all MCA providers were fully repaid, providing the business with immediate relief and the ability to redirect focus toward growth.
While MCAs can serve as a quick source of working capital, they often create unsustainable repayment pressure. At Njord Capital Group, we help businesses transition into longer-term, more stable financing solutions that support both cash flow and future growth.
Find Out if Your Business Qualifies Today!
Complete The Form Below To Begin The Process