Merchant Cash Advances (MCAs) are a lifeline for businesses that need to access capital when they need it most. But when they start to stack, merchants often find themselves spiraling out of control—juggling multiple payments, facing unpredictable cash flow, and struggling to scale.
The result?
Weekly Purchase Programs are gaining attention, not as a replacement for MCAs, but as a powerful solution for consumers burdened with stacked obligations and multiple MCA payments. These programs are designed to provide relief when debt has become unmanageable.
💡 Why Weekly Purchase Programs Make Sense Now
Many merchants come to brokers in survival mode, struggling with with stacked payments that leave them little room to operate, let alone grow. As Biz2Credit notes, “This approach can drain cash flow, jeopardize business credit, and make it increasingly difficult to secure traditional financing in the future.”biz2Credit
That’s where Weekly Purchase Programs step in.
Merchants overwhelmed by multiple MCA payments often face limited operating capital and mounting financial pressure. Weekly Purchase Programs offer a smarter alternative—streamlining payments into one manageable plan, reducing financial strain (with potential savings of up to 50%), and restoring control.
Recent reporting from Forbes highlights the mounting pressure on small businesses.
With rising loan defaults, tighter access to credit, and erratic cash flow, business owners are being forced to stretch payment terms and monitor every dollar.
The panel also discussed recent SBA lending updates aimed at curbing defaults—underscoring the need for stronger, more flexible financial footing.
As one expert put it: “Small business owners need resilience and flexibility to handle today’s unpredictable business climate.”
That’s where Weekly Purchase Programs come in.
By streamlining stacked obligations into one payment plan, brokers can help merchants stabilize their operations and refocus on growth. Source: Forbes
📈 Why They’re Gaining Momentum in 2025
- Merchant demand for cash flow–friendly solutions is skyrocketing
- Stacked payments are losing credibility in the marketplace
- Merchants are seeking long-term funding relationships over one-time fixes
🔧 Merchant Benefits
- Simplify multiple MCA obligations into a single, manageable plan.
- Easier budgeting for inventory, payroll, and growth
- Restores control and avoids stacking traps
- Improves eligibility for future funding and renewals. Merchants with simplified, manageable payments are less likely to default
💼 Broker Benefits
- Stronger long-term client relationships
→ Helping merchants stabilize builds trust and loyalty. - Positions the broker as a trusted advisor, not just a deal maker
→ Solution-first conversations elevate your role. - Higher renewal potential
→ Stabilized merchants are more likely to come back for future funding.
🧰 Real-World Example: A Reset, Not Just a Deal
A waterfront restaurant in Plymouth, MA., came to Nexi, overwhelmed by stacked MCAs and mounting debt.
That’s when Dean Simmons from Nexi’s ISO Relations team stepped in. Partnering closely with the broker, he helped structure a $1.28 million Reverse Consolidation Weekly Purchase Program that replaced the stress of multiple payments with a more manageable and streamlined payment plan.
The result wasn’t just funding—it was a full reset that restored stability and control to the business.
🚀 Nexi’s Reverse Consolidation Weekly Purchase Program:
A Smarter Solution for Merchants in Need of Relief
- Offers in under 1 hour
- Three-step closing process
- Bank verification
- Balance confirmation
- Proof of receivables
- Bank verification
- Commission paid within 24 hours
🔚 Final Takeaway
Nexi pioneered the Reverse Consolidation model to help merchants break free from debt and regain control of their business. Nexi’s Weekly Purchase Program is built on that foundation, with a manageable payment plan built for long-term growth in mind.
But it’s not just about the product. It’s about the partnership.
At Nexi, we build lasting relationships with brokers who want to deliver real solutions. We care about how a deal performs over time, how it impacts the merchant’s future, and how it reflects on the broker who brought it forward.
Weekly Purchase Programs are designed for the long game – helping merchants break the cycle of debt and regain control of their cash flow. They reduce risk, simplify repayment, and create a path toward more sustainable, growth-oriented funding for brokers and merchants alike.
Help your merchants break the debt cycle.
👉 Let’s talk.
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