Roll merchant cash advances, Toast Capital balances, Square Loans, and high-rate bank notes into a single non-dilutive facility from $50,000 to $5,000,000. Lower take rate, predictable repayment, no equity, no personal guarantee.
Typical consolidation facility
Funding offer turnaround
Equity given up
From MCAs and Toast Capital to high-rate bank notes — Founderpath rolls the full stack into one facility.
Merchant cash advances
$25K–$1M
Pay off active MCAs from On Deck, Kabbage, BlueVine, and other daily-deduct providers
Toast Capital balances
$25K–$500K
Refinance outstanding Toast Capital principal sitting at 14% effective take rate
Square Loans / Square Capital
$25K–$250K
Roll Square Capital balances out of daily POS deductions into a fixed-cap facility
High-rate bank notes
$50K–$2M
Consolidate multiple bank notes carrying 12% to 16% rates into one facility
Vendor / supplier debt
$25K–$500K
Catch up on past-due supplier balances and rebuild trade credit terms
Construction overrun debt
$100K–$2M
Replace short-term bridge debt taken on during a buildout that ran long
Send us your existing payoff letters and balances. Founderpath underwrites at the size that wipes the stack in one move. Most consolidation facilities land between $50,000 and $5,000,000.
Payback is a fixed percent of weekly revenue — not a daily POS deduction and not a fixed monthly that breaks in slow weeks. Slow weeks slow the payment, fast weeks accelerate it.
A simple multiple (typically 1.1x to 1.3x) is the total cost. Cabana Club refinanced their Toast Capital balance from a 14% take rate down to 8% — a real-world example of how the math works.
You keep 100% ownership. Founderpath does not take board seats, warrants, or personal guarantees on consolidation facilities — even on seven-figure refis.
One closed refi, two operators with the right shape who did not yet meet our terms — all proof of the use case.
Restaurant + bar concept · Toast Capital refi candidate
Closed $250,000 to refinance an outstanding Toast Capital balance
Use of funds: Roll Toast Capital principal out of a 14% take rate into Founderpath at 8%
$250,000 capital
Take rate cut from 14% to 8%
Repaid as % of weekly revenue
Real estate + mid-term rental operator · post a $10M build overrun
No offer made — but a textbook consolidation candidate
Use of funds: Roll multiple 14% bank notes from the build overrun into one facility
Multi-note bank stack at 14%
Heavy debt load post buildout
Operator with the right shape
15-room boutique hotel · post a $4.6M acquisition + $2.2M renovation
No offer made — but a heavy debt stack ripe for consolidation
Use of funds: Restructure acquisition + reno debt into a single facility
$4.6M acquisition note
$2.2M renovation debt
Operator we will revisit
The four ways operators clean up a debt stack, and how Founderpath stacks up against each.
Factor | Founderpath | Bank / SBA loan | Toast Capital / Square Loans | Equity raise |
|---|---|---|---|---|
Time to fund | 24–48 hours | 60–90 days | 1–7 days | 3–9 months |
Total cost | 1.1x–1.3x cap (8% effective take) | 10–14% APR plus closing costs | 14% daily take rate (40% effective APR) | 10–30% of company |
Repayment | % of weekly revenue | Fixed monthly | Daily POS deduction | Equity ownership forever |
Personal guarantee | None | Required | Sometimes | N/A |
Equity given up | 0% | 0% | 0% | 10–30% |
Eligibility bar | $250K+ revenue, 12+ months operating | 2 years tax returns, strong credit, collateral | Active POS account, processing history | Pitch deck, growth story, team |
See what non-dilutive capital could look like for your restaurant, bar, or retail store. No sign-up required.
Your Numbers
Monthly Revenue
$80k
$10k
$3M
Capital Needed
$150k
$25k
$5M
Payback Period
24 mo
6 mo
48 mo
Estimated Terms
Total Repayment
$168,000
1.12x payback multiple
Monthly Payment
$7,000
8.8% of revenue
Total Cost of Capital
$18,000
12% total cost
Equity Equivalent
$750,000
At 5x revenue multiple
*This calculator provides estimates only. Actual terms depend on your business profile, financials, and underwriting review. Founderpath does not guarantee any specific rate or amount.
The most common questions from brick-and-mortar operators consolidating debt.
Small business debt consolidation is the process of replacing multiple high-rate or short-term debts — merchant cash advances, Toast Capital balances, Square Loans, and bank notes — with a single facility carrying lower cost and a more predictable repayment shape. Founderpath consolidation facilities run from $50,000 to $5,000,000.
Yes. MCAs from On Deck, Kabbage, BlueVine, and similar providers are the most common debt consolidated through Founderpath. We pay off the active balance directly, you stop the daily POS deductions, and repayment moves to a fixed percent of weekly revenue at a 1.1x to 1.3x cap.
Cabana Club is the live example. They came in with an outstanding Toast Capital balance running at a 14% effective take rate. Founderpath wrote a $250,000 facility that paid off the Toast principal and dropped the take rate to 8% — with repayment moving from daily POS deduction to a weekly percent.
No. Founderpath underwrites against business revenue, not personal credit, and we do not file a personal guarantee. The payoff itself typically improves credit utilization on any reported lines, and removing daily-deduct MCAs from the stack often improves cash flow ratios that some lenders monitor.
Facilities range from $50,000 to $5,000,000 depending on your revenue and the size of the existing debt stack. A single-store operator might consolidate $50K to $250K of MCA balances; a multi-location restaurant or hospitality group consolidating bank notes can land at seven figures.
Funding offers come within 24 to 48 hours of connecting your data (POS, bank, accounting). Full closing — including direct payoff to existing creditors — typically happens within four weeks. Compare to bank consolidation loans which run 60 to 90 days and may not close fast enough to keep MCAs from re-drawing.
Yes. On most consolidation facilities, Founderpath wires payoff amounts directly to existing creditors based on the payoff letters you provide. The operator never sees the intermediate cash, which keeps the consolidation clean and prevents any temptation to use new capital for non-debt purposes.
Yes. Stacked MCAs (sometimes called "MCA stacking") are a common consolidation case. Founderpath underwrites the full stack as one number, pays off all active balances simultaneously, and replaces the daily-deduct stack with a single weekly-percent facility.
Most MCAs and Toast Capital balances have no prepayment penalty — paying them off early simply reduces the total cost. Bank notes sometimes carry small prepayment fees. Founderpath includes any prepayment fees in the consolidation facility size so the operator never funds them out of working capital.
Three differences. First, time: 24 to 48 hours to fund versus 60 to 90 days. Second, structure: repayment scales with revenue instead of fixed monthly payments that break in slow weeks. Third, requirements: no personal guarantee, no two years of tax returns, no collateral. Banks can offer cheaper headline rates but rarely close in time and almost always require a PG.
$250,000 in annualized revenue and at least 12 months of operating history. Most consolidation deals close at operators between $500,000 and $10,000,000 in revenue. The size of the existing debt stack should be supportable by the revenue base — Founderpath does not consolidate debts that are 2x or more annual revenue.
Yes. Many operators size their facility to both pay off the existing stack and add fresh working capital for inventory, marketing, or expansion. The combined facility is underwritten as a single number against revenue and repaid as a single percent of weekly sales.
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