Term
Can I refinance my MCA with a term loan?
Short Answer
Yes — and it's one of the highest-ROI moves in small business capital. Inflection Financing refinances MCAs into 1–7 year term loans, cutting effective APR from 60%+ down to 9.9%+.
Detail
A merchant cash advance (MCA) at a 1.35 factor over 9 months has an effective APR around 70%. The same balance refinanced into a 36-month term loan at 12.9% saves a typical business $40K–$200K in total cost. Inflection Financing underwrites MCA payoff explicitly — we coordinate the buyout with your processor and replace daily/weekly remittances with one monthly payment.
Key facts
- Typical MCA effective APR: 40%–99%
- Inflection Financing term loan APR: 9.9%–24.9%
- Typical savings: $40K–$200K on $250K balance
- Monthly payment vs daily/weekly remittance
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