Buy MCA-crippled businesses at 3–4x discount, refi into SBA at close.
Businesses trapped in multiple merchant cash advances (MCAs) at effective 60–200% APR often trade at 3–4x SEDE (Seller's Discretionary Earnings) vs 5–7x for clean books — the MCA daily drain suppresses reported cash flow. Acquire, refinance all MCAs into a single SBA 7(a) at close (part of the acquisition loan), and recover 30–70% cash-flow lift overnight. Cap-rate expansion from purchase multiple compression + cash-flow expansion = 3–5x equity return in year 1.
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1st mortgage + HELOC 2nd + 10% down — kill PMI and preserve cash.
Buy cash, cash-out refi inside 6 months at purchase price — not appraised value.
Route earnest money and closing on 0% cards — keep reserves for lender.
Draw primary-home HELOC for investment DP; refi/pay down after stabilization.
Pledge multiple properties as one loan — unlock higher LTV on new acquisitions.
Bypass the Fannie 10-loan cap by layering Non-QM personal + DSCR LLC loans.
Kiavi / Lima One / RCN revolving facility — cheaper than one-off hard money.
Card-fund seller arrears to take deed subject-to existing sub-4% financing.