Paying 2 or 3 different funders every day? We consolidate your existing positions into one lower payment — and put cash back into your business.
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Miami is one of the most active business funding markets in the country. That competition means many business owners end up stacking multiple advances — sometimes from 2 or 3 different funders at once. Each one pulls a daily ACH debit, and the combined drain can exceed 30% of daily deposits. Consolidation collapses those payments into one.
Replace 2 or 3 separate daily debits with a single, lower payment. Simplify your cash flow and your accounting.
Stacked positions compound costs. Consolidation often cuts your total daily obligation by 30-40% or more.
Most consolidation deals include fresh capital on top of the payoffs — giving you room to restock, hire, or expand.
We underwrite and fund in-house. No stacking broker fees on top of your consolidation. One relationship, start to finish.
Advance consolidation is the process of paying off your existing funding positions and replacing them with a single, restructured agreement at better terms. Think of it like refinancing a mortgage — except the process takes hours instead of months.
Here is a common scenario we see from Miami business owners: a restaurant in Coral Gables took a $30,000 advance to cover a slow summer, then stacked a second $20,000 position when equipment broke down. Now they are paying $850/day across two funders — $17,000+ per month in combined payments. Through consolidation, we collapse both positions into one payment of around $500/day, saving $7,000+ monthly and freeing up cash for payroll and inventory.
Our underwriting team reviews your bank statements and current position details to calculate the optimal consolidation structure:
The entire process, from application to funded, typically takes 1-2 business days for Miami businesses.
Miami-Dade County's economy is driven by small and mid-size businesses across dozens of industries. We have consolidated positions for business owners in every major corridor:
If your business generates at least $8,000/month in revenue and you are currently paying one or more funders, you are a candidate for consolidation. Industry does not matter — revenue does.
SMB Capital Funding is a DBA of CHC Capital Group. NMLS 1695752. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.
Paying multiple funders? Consolidate into one lower payment.
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