Merchant cash advance relief
Cut your daily payments. Get your business back.
Blue Sky Advance covers the stacked daily debits from your merchant cash advances (MCAs) — so you make one lower payment, daily or weekly, and keep more of your daily cash. Cut your payments by up to 70%.
- No upfront fees
- Won't affect your credit
- Same-day funding
6+ months in business · $15,000+/month revenue · 2+ open advances
Say a trucking company is paying three advances:
- Advance A$420/day
- Advance B$300/day
- Advance C$147/day
about $242/day less leaving your account — over a new ~8-month term
Example only — your numbers will differ. Lowers your payment now; total payback may be higher over the longer term. Final terms subject to underwriting.
up to 70%
lower payments
Same day
funding once approved
2+ → 1
advances into one lower payment
Who we help
We tailor Reverse Consolidation to the cash-flow realities of your industry.
Trucking & logistics
Fuel, maintenance, and seasonal freight swings — with payments that don't adjust.
Restaurants
Thin margins and perishable inventory make stacked advances especially brutal.
Healthcare
Insurance reimbursements lag 30–90 days while advances debit daily.
Construction
Project-based revenue and upfront material costs create cash-flow gaps.
Retail
High payroll and inventory costs against seasonal revenue swings.
Professional services
Uneven, project-based cash flow between engagements.
How reverse consolidation works
Share your advances
Apply in under two minutes. No hard credit pull, no obligation.
We build your plan
A dedicated manager reviews your advances and sets up weekly deposits to your account — usually within a day.
Pay one lower payment
Your advances stay current, now covered by Blue Sky. You make one lower payment — daily or weekly — and keep more cash.
Why Blue Sky
A real person, not a call center
You get a dedicated account manager who knows your business and picks up when you call. In a world run by AI and automation, we still believe your success deserves an old-fashioned human.
No upfront fees, no hit to your credit
You never pay a dime until your program is in place and working. We only run a soft check to understand your situation — it never affects your credit score.
A full analysis of your MCA stack
We understand MCA structures, lender behavior, and the consolidation landscape — and we put it to work for you.
Real business owners. Real results.
Business owners across the country have used Blue Sky Advance to escape crushing MCA payments. Here's what a few of them say.
“I had four MCAs stacked on top of each other. $1,400 was coming out of my account every single day. I couldn't make payroll, couldn't fuel my trucks. Blue Sky stepped in and within a week I went from $1,400/day to one payment of $3,200/week. That's real money back in my pocket. My dispatcher thought I was lying when I told him we could afford the new route.”
Marco R.
Trucking company owner
Houston, TX
−62%
lower payments
“Running a medical practice is hard enough without three different MCA companies pulling from your account before your insurance reimbursements even clear. My account manager David walked me through everything — no pressure, no games. Within 10 days my payments dropped from $900/day to $2,100/week. I can finally focus on my patients instead of my bank balance.”
Diana L.
Medical practice owner
Fort Lauderdale, FL
−67%
lower payments
“I'll be honest — I didn't think this was real. I've been burned by so many 'consolidation' companies that promise the world. But Blue Sky actually delivered. No upfront fees, no BS. They paid off two of my advances and restructured the other one. My weekly payment is literally half of what I was paying daily. If you're drowning in MCAs, just call them.”
Anthony G.
Construction company owner
Newark, NJ
−50%
lower payments
“After COVID we took out three cash advances just to keep the doors open. Then the daily payments started eating us alive — $800 a day between all of them. My sister found Blue Sky online and I called the same day. They consolidated everything into one weekly payment of $1,800. We went from barely surviving to actually turning a profit again. God bless these people.”
Patricia M.
Restaurant owner
Brooklyn, NY
−55%
lower payments
“I'm an IT consultant — I should've known better than to stack MCAs, but when you need cash flow you do what you have to do. Blue Sky's reverse consolidation program cut my payments by almost 70%. The whole process took about a week and my account manager kept me updated every step of the way. Transparent, professional, and they actually care. Rare in this industry.”
James T.
IT services owner
Atlanta, GA
−68%
lower payments
Need new capital instead?
Fast, flexible business funding with competitive rates and transparent terms.
See your new payment in under two minutes.
Checking won't affect your credit. No obligation. Just a clear picture of what relief looks like.