If you opted for an MCA because of a weak credit profile and it becomes apparent that the cash flow burden of servicing the advance becomes a cash flow burden your business can’t support, the only real option is to refinance the obligation with a lower-interest loan of some kind. Unfortunately, if you had a weak credit profile before the MCA, qualifying for a small business loan could still be a challenge. Applying for another MCA to pay off the first can get expensive really fast and might not be the best way to reduce the obligation of the first. Speaking of multiple MCAs, the practice of stacking MCAs one on top of each other can get expensive really fast and is not refinancing nor is it generally recommended. The most cost-effective way to refinance a merchant cash advance is with a conventional small business loan. Interest rates are usually much less than a cash advance and often include more favorable terms, if you qualify. Maintaining a personal credit score above 650 (the minimum threshold to apply for a loan with the SBA) and a good business credit history will be required to qualify for a conventional loan. Most traditional banks have a minimum personal credit threshold of 680. Other options could include asset-based loans. An asset-based loan allows a business owner to capitalize on assets like Accounts Receivables, inventory, or real estate to secure financing. An asset-based loan will be more expensive than a traditional small business loan (though usually less than an MCA), but will be easier to qualify for in a less-than-perfect personal and business credit situation. Depending on the asset, an asset-based loan could be treated as a revolving credit line or a more traditionally amortized loan.