MCA Debt Restructuring

If you are carrying at least $50,000 in high-cost Merchant Cash Advance (MCA) business debt and are struggling to make payments, we maybe able to help.

Thousands of businesses are being forced into avoidable failure as the daily payback on crippling merchant cash advances suffocate their operational cashflow accounts. With this limited service, we offer business owners trapped in this harmful situation, an affordable way out of the death spiral with this expensive debt, towards a clear path to regain control of their finances and lives.

Our Process

Our process is simple. During your free, no-obligation consultation we will take a deep dive into your unique circumstances. Then, we will request your MCA funding documents and most recent business bank statements to internally review what is possible to potentially put in place reduced obligations that will eliminate your existing MCA debt. Upon approval from you, we will get to work to secure the restructured agreements with your lenders.

Our Rules

Here's What You Can Expect

The End Game

There is no such thing as one-size-fits-all Merchant Cash Advance business debt restructuring. It is because business owners have unique circumstances, unique contract terms, unique needs of their business. Some have just one MCA, but others have stacked six deals! However, our debt restructuring service is centered around these core outcomes:

The Truth

The process we have in place is designed for total resolution of your MCA debt, but time is of the essence. MCA lenders have an aggressive lending cycle built-in that is absolutely not designed to favor small business owners, but it does not mean you must give up hope and end up losing all that you worked hard to build. You must take charge now and take action to crush MCA debt quickly before it gets out of control.

It is not easy to deal with MCA lenders, but we work hard to achieve better outcomes.

Every case is different: some want forbearance, some want permanent debt restructuring, some are way past default and are looking for a lump-sum settlement.

Please take a moment to watch this Bloomberg Businessweek story about MCAs.

Our Fee Structure

For each obligation, we charge clients a Firm Fixed Fee of 15 percent of the amount saved as a result of the renegotiation, settlement, reduction, or alteration of the current MCA  debt. The amount saved is the difference between the total balance/total amount owed at the time of the final resolution and amount agreed pursuant to the (new) restructured agreement between business owner and lender.

To start, we require a non-refundable deposit of $2000 per obligation. This initial deposit shall be deducted from the total 15 percent fees owed for total amount saved as a result of the renegotiation, settlement, reduction, or alteration of the debt.

Want to resolve your business
debt problems?

We can help you get out from the rabbit hole of Merchant
Cash Advance debt advances.

Contact Us
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