Who this is built for
Businesses trapped in stacked, high-APR short-term advances.
A transaction of this shape
Illustrative example, not a past transaction. A distributor had stacked four advances draining $9,000 a day. We consolidated roughly $1,000,000 of it into a single monthly payment at a fraction of the cost — their daily cash stopped bleeding and the business survived.
Qualification considerations
What the capital sources behind this structure look at. These are their published parameters, not an offer of credit, and a file that misses one is not automatically declined — it is a conversation about which source fits.
- 3+ months of MCA payment history
- Revenue $30k+/month
- Credit 600+
What usually rules a file out
- No real revenue to restructure around
- Unwilling to negotiate settlements
What the numbers look like
We do not publish rates, and we would not trust a site that did — pricing on a structure like this is set by the file, not by the page. What we publish instead is the model. Run your own figures through the same deterministic calculator the desk runs on a live file, free, with no sign-in and nothing to submit.
Compare a restructured payment →What to have ready
You do not need all of this to start a conversation — submit first, and we will tell you what the specific file needs. This is what a transaction of this kind normally opens with.
- Every current advance contract, and the last three months of payment history
- Recent business bank statements
- The two most recent business tax returns, where the business has filed them
- A current profit & loss and balance sheet
- An accounts receivable and accounts payable aging
- An entity document for the borrowing entity, and a personal financial statement
How the process runs
Submit
You tell us about the transaction. Six questions, about sixty seconds.
Underwrite
We size it against the capital sources' documented parameters and tell you where it stands.
Execute
We manage the process through term sheet, diligence, and closing.
Close
You get results, and we stay involved for the next transaction.
Worth reading beside this
Have a transaction that looks like this?
Tell us what you are working on — six questions, about sixty seconds. We review it and come back with next steps, and if this is not the right structure for it, we will say which one is.
Submit an Opportunity →Business-purpose financing only. Canady Investments is not a bank and does not lend its own funds. This page describes a financing structure and the criteria the capital sources behind it publish; it is not an offer of credit, a commitment to lend, or a guarantee of financing, and nothing here is a quoted rate or term. All terms are subject to underwriting, documentation, and third-party capital source approval.