Often yes — and frequently the line is structured as part of getting off the MCA debt, not in spite of it. Here’s how that works.
Why MCA debt scares off traditional banks
A healthy P&L isn’t enough for most banks if your account shows MCA balances and multiple UCC liens. Banks see the daily debits and the stacked positions and flinch — even when the underlying business is sound.
How a line of credit fits into the solution
A common structure is to consolidate or refinance the advances and put a revolving facility in place at the same time — so the daily debit stops and the business gets flexible, draw-and-repay availability going forward.
What you can borrow against
Private revolving lines and asset-based facilities are priced to your borrowing base: accounts receivable (often up to ~75% of eligible A/R), inventory, and equipment. The facility is secured by assets rather than betting on a credit score.
Who this works for
B2B operators doing roughly $1M+ in revenue with real receivables and assets. → Business Line of Credit
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Frequently asked questions
Do I have to pay off my MCAs before I can get a line?
Not necessarily — the line is often part of the same structure that pays the advances off.
What if my credit score is low?
Asset-based lines are secured by your receivables and assets, so they’re far less dependent on personal credit than a conventional unsecured loan.