Why fund Reverse Consolidation vs MCA= More Commission! (Scenario below)

Merchant with 4 positions and
$400K in debt
Potential Funding Scenario 1: (MCA)
$20K - 5th position - $2,000 Commission
Merchant can't afford higher payments
OR
Potential Funding Scenario 2: (CRC)
$400K - CRC - $40,000+ Commission
Merchant is paying less than before!

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