Scale
Renewal & Refinance
Time your next round before the funder times you.
We negotiate renewal buy-rates, consolidate stacks, and engineer the bridge from short-term capital to long-term financing. Our roots are in the funding business — we know what they'll accept.
Who this is for
You need this if any of these are true.
- 01You're within 90 days of renewing your current advance
- 02You have 2+ active positions and need to consolidate
- 03You want to graduate from MCA to SBA over the next 12 months
- 04Your credit needs work before applying for better terms
What's inside
The full menu.
- 01Renewal architectWe time + structure your next funding round. Lock in factor rates 5-15% better than going in cold.
- 02Stack consolidationConsolidate 2-5 active positions into one cleaner deal. Less daily payment pressure.
- 03Bridge-to-SBA migration12-month roadmap to qualify for SBA 7(a) or 504 — way cheaper capital long-term.
- 04Personal credit repairTargeted credit-repair partnership. Score up = future rates down.
- 05Business credit buildingD&B + Experian Business setup + vendor tradelines to build a real business credit profile.
- 06UCC monitoring + cleanupClear stale UCC filings that block traditional financing.
- 07Personal guarantee renegotiationFor businesses that have improved enough to push back on PGs.
How it works
3 steps. No drama.
01
Position audit
We pull every active funding agreement and map your renewal calendar.
02
Negotiation strategy
Pre-position with funders 30-60 days before renewal so you have leverage.
03
Execute
We coordinate the actual paperwork + handoff to the funder.
Outcomes
What changes after the engagement.
- 01Better factor rates on renewal (typically 3-15% lower)
- 02Consolidated payment structure (one daily, not five)
- 03Clear path off MCA into SBA / LOC capital
- 04Personal credit score lifted 50-150 points over 6-12 months
Common questions
Answers upfront.
Are you brokers or advisors?
Both. Our parent Clearwater Capital is a licensed broker. We can place the deal OR just advise you through it.
Do you take a commission?
Yes — on placed deals, paid by the funder, not by you. Standard ISO commission. Fully disclosed up front.
Will my current funder be upset?
No. Renewals are how funders make money. Negotiating better terms is normal.