Replacing several daily payments with one
Each advance takes its own bite. Consolidation pays those positions off and rolls them into a single payment.
Consolidation of Positions
Who it's for
Established businesses seeking structured financing for growth or operations.
Typical amounts
$10,000 – $2,000,000
Terms
6 – 36 months
Requirements
6+ months in business
Requirements
$15K+ monthly revenue
Requirements
550+ credit score
Several daily payments become one. That is the whole idea — one position, one remittance, sized to what the business actually brings in.
What it helps
When consolidation is the right fit.
Lowering what leaves the account each day or week
A single position can be sized against your sales, so the total coming out is easier to live with than the stack. Falcon clients save 30%–50% on average on their daily or weekly payments.
Freeing up cash flow for operations
Money that was servicing four payments can go back into stock, payroll and the work that earns.
Getting off the stacking treadmill
Taking a new advance to cover an old one is how the stack grows. One position ends that cycle.
Process
Three steps to one payment.
01
Share your current positions
Apply online and list your open advances or loans, including balances and payment amounts.
You provide: recent bank statements and the details of each position — funder, balance and what it takes each day or week.
02
Get a consolidation plan
A Falcon consolidation specialist models a single position against your sales.
You get: a call about the new amount, the new schedule and the full cost, before anything is signed.
03
Consolidate and move to one payment
Once you are approved, your existing positions are paid off or restructured and you move to one payment.
You see: the new position, the new schedule and the full cost, all spelled out on the agreement.
FAQ
Consolidation questions
Consolidation works best when it replaces stacking. Your specialist will walk through a plan that keeps cash flow healthy.
Recent bank statements and the details of each open position, such as the funder, balance and payment amount.
They are paid off or restructured as part of the new position, so you are left with one payment instead of several.
Falcon clients save 30%–50% on average on their current daily or weekly payments. Your actual savings depend on your existing positions and underwriting, so your specialist models the new payment against your current ones and shows you both before you sign.
Falcon charges a 0% agreement fee. Rates are competitive, and no specific rate is published on this page. The full cost of the new position is disclosed before you sign.
Six months of business bank statements, a government-issued photo ID, a voided check and the funder, balance and payment amount for every open position.
When consolidation isn't the right fit.
Consolidation exists to fix a stack. If there is no stack, there is usually nothing to fix. Here are three situations where another Falcon product fits better.
If you only have one position
Restructuring a single advance into a new one mostly adds cost. A line of credit or a term loan is a cleaner way to change how you pay.
Business Line of CreditIf the payment is already comfortable and you need new money
When the current schedule is not hurting, the real need is capital. A term loan delivers it with its own schedule.
Business Term LoanIf the costs are planned and repeating
Rent, payroll and regular inventory come round on a schedule. A line of credit lets you draw for each one and pay for what you use.
Business Line of CreditFrom the blog
