Reverse Consolidation
Keep more of your daily cash. Make one lower payment.
Each week we fund your account to cover your existing MCA debits — so your advances stay current and more cash stays with you. You make one lower payment, daily or weekly. Cut your out-of-pocket by up to 70%.
No upfront fees · Won't affect your credit · Funding as fast as the same day
How it works
You share your advances
Tell us what you owe and what you're paying — it takes about two minutes. Checking won't affect your credit, no obligation.
We size one lower payment
We build a plan and deposit money into your account each week to cover your existing debits.
Your advances stay covered — you pay us weekly
Your advances keep debiting and stay current, now funded by Blue Sky. You make one lower payment — daily or weekly — and keep more of your daily cash.
See it in action
Here's how reverse consolidation works for a business like yours.
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.
Now calculate yours ↓
- 1Your advances
- 2Your quote
Add each advance you're paying now
List every merchant cash advance (MCA) you're currently paying. Your numbers update as you type — checking won't affect your credit.
Optional — skip these and you'll still get a full quote
From chaos to clarity
Before
- Multiple lenders pulling daily debits
- Cash flow under extreme pressure
- No room for fuel, payroll, or inventory
- Constant stress, no predictability
After
- One lower payment, daily or weekly — advances stay covered
- More cash stays in your account every day
- Your advances stay current — no defaults
- One payment. One partner. Total relief.
Do you qualify?
Reverse Consolidation is designed for businesses that meet these basic criteria:
Not sure if you qualify? Run your quote or call us — we'll tell you straight.
Owners like you, already breathing easier
Real Blue Sky Advance clients, in their own words.
“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
Questions, answered
How is Reverse Consolidation different from traditional debt consolidation?+
Traditional consolidation takes out a new loan to pay off old debt and usually needs strong credit. Reverse Consolidation deposits money into your own account each week to cover your existing MCA debits — so instead of the full daily drain, you make one lower payment (daily or weekly). Checking won't affect your credit, and your current lenders aren't involved.
Are there any upfront fees?+
Absolutely not. Blue Sky Advance never charges upfront fees. You don't pay anything until your consolidation program is in place and working.
Do you run my credit?+
We may run a soft check to understand your situation, but we never do a hard pull — so applying with us won't affect your credit score.
How much can I save?+
It depends on your current advances, but reverse consolidation can lower your payments by up to 70%. It lowers what you pay and frees up cash flow — it does not lower your total balance. You'll see your own estimate before you apply; final terms subject to underwriting.
How long does the application take?+
The application itself takes less than 2 minutes. Once submitted, a dedicated account manager is assigned within one business day. From there, the full consolidation program can typically be in place within a few business days.
Can I still run my business normally during the process?+
Absolutely — that's the whole point. By reducing your payment burden, we free up cash flow so you can focus on operations, payroll, inventory, and growth. Most clients report feeling immediate relief once the program is in place.
Ready to breathe again?
See how much you could save — it takes less than two minutes.