[1Loanguy]

Have an application where the clients has 4 total loans. 55k, 6k, 3k, 18k. 750k annual revenue. is reluctant to payoff the largest because is paid off in december and it would force them into a new LARGE loan, but would like to consolidate the other 3 netting some working capital. This situation seems to come up on a regular basis, any lenders you would recommend that could help with this?

The alternative is obviously someone who might entertain consolidating the current debt with little or no net.

[abfunders]

Loans or MCAs?

Try Arcarius. If the bank statements can handle it, they can consolidate it with the reverse consolidation, and offer a separate contract for more money on top (but it's more expensive).

FundKite advertises they'll consolidate all but one position with a reverse.
Legend also does first-position buy-outs, if they feel the client is not a "commercial" stacker and nobody will come in after them. Doesn't sound like it in this case.

-OR-

What about an SBA that has no PPP?

-OR-
Is there any real estate or other collateral?
How's their credit that they might qualify for unsecured funding?

You gotta give us more to work with!

[1Loanguy]

Thanks, just haven't had much luck with them. Nice guys though.