If merchant cash advance payments are strangling your business, you have more options than you think. We help business owners negotiate, settle, and restructure crushing MCA obligations — without losing everything.
Merchant cash advances were designed to be quick — but the fine print is built to extract maximum profit from businesses in desperate need.
Understanding your specific situation is the first step to finding the right path forward.
When your first MCA squeezes cash flow so tight you can't operate, the only apparent option is another advance. Lenders often knowingly allow this, leading to 3, 4, or even 5 simultaneous daily debits draining your account.
Many MCA agreements include a COJ clause — a pre-signed court judgment allowing lenders to immediately freeze your bank accounts and garnish funds without a trial. This can happen overnight, with no notice.
Once you default on an MCA — whether by insufficient funds, changing bank accounts, or missing agreed reconciliations — lenders escalate fast. You may face collections, lawsuits, personal guarantee enforcement, or UCC lien filings.
You haven't defaulted yet — but the daily withdrawals are making it impossible to pay suppliers, employees, or rent. Your revenue is being captured before you can use it. This is a financial emergency in slow motion.
Every situation is different. We identify the right strategy for your specific debt profile, cash flow, and goals.
We negotiate directly with your MCA lenders to accept a reduced lump-sum payment as full satisfaction of the debt — often 40–70% below what you owe.
Renegotiate the terms of your existing advances — lower daily payment amounts, extended repayment periods, or modified factor rates — to restore sustainable cash flow.
Replace multiple MCA debits with a single consolidated loan or payment program. Simplify your finances and reduce total daily cash outflow significantly.
If MCA lenders have filed suit, obtained a COJ, or levied your accounts — our network of attorneys fights back and works to negotiate resolution under legal pressure.
When other options aren't viable, Chapter 7 or Chapter 11 bankruptcy can provide a legal fresh start. We'll help you understand if and when this is the right path.
Not sure where to start? We'll analyze your full debt picture — every MCA, term loan, and credit obligation — and give you a clear, prioritized action plan at no cost.
We've helped hundreds of business owners navigate MCA debt. Here's exactly what working with us looks like.
We review your MCA agreements, bank statements, and financial position at no cost. You'll leave with a clear picture of your options and a recommended path forward.
Day 1 — 30 MinutesWe present a customized resolution strategy — settlement targets, timeline, and expected outcome. If you choose to proceed, we formalize our engagement and begin immediately.
Days 2–5Our specialists contact your MCA lenders directly. We negotiate from a position of knowledge — understanding lender thresholds, legal leverage, and settlement patterns from thousands of cases.
Weeks 2–8Once terms are agreed, we document everything in writing. You make a settlement payment (or structured installments), and the debt is satisfied and closed permanently.
Weeks 4–12With debt resolved, we connect you with resources to rebuild business credit, improve cash flow management, and access responsible financing when you're ready to grow again.
Ongoing Support"I had three MCAs draining over $2,400 a day from my restaurant. Within 6 weeks, the team negotiated all three down. I settled for 52 cents on the dollar and kept my business open."
"A COJ was filed and my accounts were frozen on a Tuesday morning. I found these guys by noon, and by Thursday they were already in talks with the lender. Speed matters — don't wait."
"I was stacked with four advances and paying nearly $5,000 a week. We settled two, restructured one, and the fourth was past the statute of limitations. From crisis to breathing room in two months."
No judgment, no pressure, no commitment. Our advisors have seen every type of MCA crisis — they'll give you honest answers about your options in a confidential 30-minute call.
An advisor will contact you within 2 business hours. If your situation is a crisis, please indicate that when we call so we can prioritize your case.
MCA debt settlement is a negotiation process where we work with your lender to accept a reduced lump-sum payment as full and final satisfaction of the debt. Instead of paying the full remaining balance, you pay a negotiated amount — typically 40–70% of what you owe — and the debt is completely resolved. Settlements are documented in writing with a formal release of claims.
No. Your consultation with us is completely confidential. We don't contact your lenders until you've reviewed your strategy and authorized us to begin. Even then, negotiations happen on your behalf and are designed to protect your position — not telegraph weakness to lenders.
Most settlements are resolved within 60–120 days of beginning negotiations. Simpler cases with a single cooperative lender can resolve faster. Cases involving litigation, COJ enforcement, or multiple stacked advances may take longer. We give you a realistic timeline estimate during your free consultation based on your specific situation.
This is a case-by-case decision that we walk through with you carefully. In some settlement strategies, pausing payments is part of building negotiating leverage. In restructuring scenarios, payments continue but at modified terms. We never recommend a course of action without explaining the full risk profile, and we'll help you weigh the trade-offs for your specific situation.
Lawsuits from MCA lenders are more common than people realize, but they also create a settlement opportunity. Lenders filing suit are typically signaling they want resolution — and legal proceedings give both sides incentive to negotiate. Our partner attorneys can defend against suits, challenge COJ enforcement, and negotiate favorable settlements even after litigation has begun. Do not ignore a lawsuit — contact us immediately.
The initial consultation and debt audit are completely free. If you choose to engage us for settlement or restructuring services, our fees are based on a percentage of the savings we achieve — meaning we only earn when we deliver real results for you. There are no upfront fees. We'll walk through all fee structures clearly before you make any commitment.
Yes — in fact, default is often when settlement becomes most achievable. Lenders in default scenarios frequently prefer an immediate partial payment over a prolonged legal battle. Whether you're days into default or months into collections, we can evaluate your situation and often find meaningful relief. The key is acting before judgments are fully enforced and assets are at serious risk.