At United Capital America LLC, we understand how easy it is for a growing business to become overextended. If you're currently managing two or more active Revenue-Based Positions (RBPs), you’re likely feeling the pressure of stacked payments, short terms, and rapid capital burn. Our Reverse Consolidation program is designed to strategically restructure that burden — lowering your weekly payments, extending your timeline, and giving your business room to breathe.
We don’t wait for distress. We engineer recovery.
Program Highlights
Purpose:
Reverse Consolidation is built for business owners juggling multiple high-frequency repayments. Rather than replacing your debt, we restructure it — stepping in as an interim funder to absorb the impact of daily/weekly payments and allow your business to repay a single, more manageable amount under longer, smarter terms.
Designed For:
- Businesses with 2 or more active Revenue-Based Positions
- Those seeking lower weekly obligations
- Owners looking to preserve their EIN, credit standing, and operational cash flow
- Companies positioning themselves to qualify for institutional capital in the near future
Repayment Schedule:
- Transition from daily to weekly payments
- Payments may be reduced by 40% to 60%, depending on risk profile and stacking level
- Extended terms to optimize cash flow and stabilize your runway
Leverage & Liquidity:
- You remain current with your existing RBPs (they are not refinanced or paid off)
- We provide the capital to keep your obligations covered
- You make a single weekly payment to us — usually half or less of what you're currently paying across stacked positions
Rates & Terms:
- Competitive structures tailored to short-term distress
- No prepayment penalties
- Weekly payments, up to 12 months
- Performance-based tiering to qualify for upgrades over time
Strategic Benefits
- Lower Your Payment Load: Replace multiple aggressive draws with a single weekly payment. Free up capital to cover payroll, inventory, and core operations.
- Preserve Your Business Credit Standing: Avoid the consequences of defaulting. Reverse Consolidation helps you stay compliant and keep your entity fundable in the future.
- Escape the Cycle of High-Cost, Short-Term Capital: This isn’t a renewal — it’s a reengineering. We help break the revolving door of short-term obligations and build a bridge to better terms.
- Create a Path to Institutional Financing: Once stabilized under a Reverse, you may qualify for more traditional programs — including SBA, term loans, and credit lines.
How It Works
Let’s say you're paying $1,800 per week across three different RBPs. We may structure a Reverse that covers those payments on your behalf and shifts your repayment to $900 per week with no daily pulls. The original positions remain open and current, while your burden is reduced. Over time, this frees up working capital, prevents defaults, and gives your business the breathing room it needs.
Is This Right for You?
Reverse Consolidation may be a smart fit if:
- You're paying more than $750/week across stacked positions
- You’ve been declined for traditional financing due to high monthly obligations
- You want to stay current, avoid default, and restructure
- You want strategic breathing room, not another renewal trap
Stipulations
- Completed initial Business Registration Form (for all principals / entity members)
- Signed Business Registration Form
- Copies of all active Revenue-Based Position agreements
- Current Balance Sheet or Funding Summary
- Weekly draw schedule (if available)
We don’t wait for distress. We engineer recovery.
Program Highlights
Purpose:
Reverse Consolidation is built for business owners juggling multiple high-frequency repayments. Rather than replacing your debt, we restructure it — stepping in as an interim funder to absorb the impact of daily/weekly payments and allow your business to repay a single, more manageable amount under longer, smarter terms.
Designed For:
- Businesses with 2 or more active Revenue-Based Positions
- Those seeking lower weekly obligations
- Owners looking to preserve their EIN, credit standing, and operational cash flow
- Companies positioning themselves to qualify for institutional capital in the near future
Repayment Schedule:
- Transition from daily to weekly payments
- Payments may be reduced by 40% to 60%, depending on risk profile and stacking level
- Extended terms to optimize cash flow and stabilize your runway
Leverage & Liquidity:
- You remain current with your existing RBPs (they are not refinanced or paid off)
- We provide the capital to keep your obligations covered
- You make a single weekly payment to us — usually half or less of what you're currently paying across stacked positions
Rates & Terms:
- Competitive structures tailored to short-term distress
- No prepayment penalties
- Weekly payments, up to 12 months
- Performance-based tiering to qualify for upgrades over time
Strategic Benefits
- Lower Your Payment Load: Replace multiple aggressive draws with a single weekly payment. Free up capital to cover payroll, inventory, and core operations.
- Preserve Your Business Credit Standing: Avoid the consequences of defaulting. Reverse Consolidation helps you stay compliant and keep your entity fundable in the future.
- Escape the Cycle of High-Cost, Short-Term Capital: This isn’t a renewal — it’s a reengineering. We help break the revolving door of short-term obligations and build a bridge to better terms.
- Create a Path to Institutional Financing: Once stabilized under a Reverse, you may qualify for more traditional programs — including SBA, term loans, and credit lines.
How It Works
Let’s say you're paying $1,800 per week across three different RBPs. We may structure a Reverse that covers those payments on your behalf and shifts your repayment to $900 per week with no daily pulls. The original positions remain open and current, while your burden is reduced. Over time, this frees up working capital, prevents defaults, and gives your business the breathing room it needs.
Is This Right for You?
Reverse Consolidation may be a smart fit if:
- You're paying more than $750/week across stacked positions
- You’ve been declined for traditional financing due to high monthly obligations
- You want to stay current, avoid default, and restructure
- You want strategic breathing room, not another renewal trap
Stipulations
- Completed initial Business Registration Form (for all principals / entity members)
- Signed Business Registration Form
- Copies of all active Revenue-Based Position agreements
- Current Balance Sheet or Funding Summary
- Weekly draw schedule (if available)
