Don’t let the loan meant to save your business be the one that ends it.
Stacked advances and daily debits quietly bleed a good company dry. There’s a way out — we show you the true cost, then turn those daily debits into one monthly payment you can breathe under.
No credit pull. Add every position, see the real number in 30 seconds.
True-Cost Calculator
Add every open advance. No credit pull, nothing saved until you ask for the report.
Estimates only, for illustration. Real APR uses a weekly-payment model; your actual rate, term, and eligibility depend on underwriting. Lucaria Capital arranges commercial financing and is not a direct lender.
A merchant cash advance isn’t a loan. It’s a bet against your cash flow.
MCAs are sold on a “factor rate,” not an interest rate — which hides the true cost. Repaid through daily or weekly debits, they can run 60–150% APR, and once you stack a second and third, the debits collide and the business starves. An MCA replacement loan pays all of them off at once and replaces the daily drain with a single, longer, far cheaper monthly payment.
Who it’s for
- Businesses carrying one or more merchant cash advances and feeling the daily debits.
- Owners who stacked a second or third advance to survive and now can’t keep up.
- Companies that are fundamentally healthy — real revenue — but choking on the payment schedule.
- Anyone quoted a “factor rate” who was never shown the real APR.
What replacing it does
- Pays off every position in one move.
- Turns daily/weekly debits into one monthly payment.
- Cuts the effective rate — often by half or more.
- Frees monthly cash flow — breathing room to actually run the business.
If a replacement won’t actually save you money, we’ll tell you. Sometimes the right move is to pay one down first — and we’ll show you that math too.
MCA replacement, answered straight.
- What is an MCA replacement loan?
- A single term loan that pays off one or more merchant cash advances at once and replaces the daily or weekly debits with one longer, far cheaper monthly payment.
- How much can a replacement loan actually save?
- It depends on the positions you carry, but because MCAs often run an effective 60–150% APR, replacing them commonly cuts the effective rate by half or more and frees meaningful monthly cash flow. The calculator on this page shows your real blended number before you talk to anyone.
- Will checking my options hurt my credit?
- No. There is no credit pull to see your true cost or your options — you enter your positions and get the real number in about 30 seconds.
- Can I refinance more than one stacked advance?
- Yes — that is the most common case. A replacement loan pays off every position in one move, which is exactly what untangles a stack that has started to collide.
- What if a replacement won’t save me money?
- We will tell you. Sometimes the right move is to pay one position down first, and we will show you that math too rather than sell you a loan that does not help.
See the true cost. Then see the way out.
Add your positions above, or send us the details and we’ll run it with you — no credit pull, no obligation.