I already tried something that was sold to me as MCA consolidation, and it did not fix the problem. It felt like another payment got layered into the mess while the original funders still had leverage. Now someone is pitching me reverse consolidation and saying it is different. What actually changes with reverse consolidation, and how do I know it is not just the same thing with a better name?
Reverse consolidation usually means a new company advances money on a schedule to help cover existing MCA payments while you make one payment to the reverse consolidator. That is different from a true payoff consolidation, where the old positions are satisfied and closed. The key question is whether your old funders are actually being paid down and released, or whether you are adding a new obligation on top of the same old contracts. Before agreeing, ask for a side-by-side payoff schedule, the new contract, the total payback, the default terms, and written proof of what happens to each existing position.