In a reverse consolidation, the old advances are not paid off at once. They keep debiting your account on schedule. The new funder sends you regular deposits sized to cover those debits, and you repay the new funder a smaller amount per business day over a longer period.
It lowers your net payments while the old advances run off. The cost is a new purchased amount on every dollar deposited, and your existing contracts may treat the new funding as a breach of an anti-stacking clause, so read them first.
Example: You owe $36,000 on advances debiting $900 per business day. A reverse consolidation deposits $4,500 a week for 8 weeks to cover those debits. You repay it $50,400 at $450 per business day over 112 business days, so the relief costs $14,400.
If the deposits stop early, you are left paying the old debits and the new one at the same time.