Eliminate MCA Debt

MCA Debt Relief

Stop the daily withdrawals. Take back your cash flow.

Our attorney-backed program swaps your stack of merchant cash advance payments for one manageable weekly amount, then works to shrink what you owe, so your business can breathe again.

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  • Attorney-backed program
  • One weekly payment
  • No upfront fees
  • Built to protect personal credit
Smiling auto repair shop owner standing in her garage

Instead of daily pulls

1 weekly payment

Sized to what your business actually earns

$20K–$5M+

MCA balances we help resolve

$0 upfront

Fees built into your weekly payment

6–18 months

Typical path to resolution

1 specialist

Your dedicated point of contact

The advance that was supposed to fix cash flow is now the problem.

Merchant cash advances are fast, but the payments never stop. When a few slow weeks hit, owners stack another advance to cover the last, and the withdrawals multiply. Sound familiar?

  • Daily or weekly ACH pulls leave too little for payroll, rent, or inventory
  • You took a second or third advance just to cover the first
  • Funders and collectors are calling you, your customers, or your bank
  • Factor rates mean you owe far more than you ever received
  • Banks and SBA lenders have said no, so refinancing is off the table
  • You worry that one missed payment triggers a default, a lien, or a lawsuit

If any of this hits home, let's talk.

Restaurant owner reviewing paperwork in a back office

There are only three ways out of MCA debt.

Only one of them protects your cash flow and your business at the same time.

  1. 01

    Pay every advance in full

    Keep absorbing the withdrawals and hope revenue outpaces them. For most owners in a stack, it never does.

  2. 02

    File for bankruptcy

    A legal reset that can cost you the business, your reputation with vendors, and years of credit recovery.

  3. 03

    Restructure with Eliminate MCA Debt

    Lower your payments now, reduce what you owe, and keep the doors open while we handle your funders.

Ready to stop the bleeding?

A free 15-minute consultation shows you exactly where you stand.

Talk to a Debt Specialist

How we help

MCA debt relief that actually does the work.

Partner attorneys, clear written terms, and a specialist who calls you every week. Here is what the program covers.

Immediate cash flow relief

Lower payments

One consolidated weekly amount

We stop the drain of multiple daily debits and replace them with a single weekly payment sized to what your business actually brings in.

  • One payment replaces every daily and weekly pull
  • No new advance or loan required
  • No collateral, and personal assets stay out of it
Get started today

Attorney-backed legal coverage

Legal protection

If a funder takes action

Lawsuits, UCC lien notices, and confessions of judgment are common in MCA collections. Our partner attorneys are part of the program from day one.

  • Responses to lawsuits and UCC lien filings
  • Guidance on confessions of judgment
  • Collector calls are routed away from you
Talk to a specialist

Negotiated debt settlement

Pay less than you owe

Settlements funded as you go

Your weekly payment builds a settlement fund in an account held in your name. As it grows, we negotiate each balance down, one funder at a time.

  • Funds held in an account in your name
  • Funders settled one by one as funds build
  • Settlements often well below the full balance
See if you qualify

What relief can look like.

These illustrative examples show common situations we help business owners work through. Your plan is built around your own advances and revenue.

Illustrative example

Trucking company

Three stacked advances

Before
Daily pulls across three funders
After
One weekly payment, with settlements negotiated over time

Illustrative example

Family restaurant

Seasonal revenue dip

Before
Fixed daily debits during the slow season
After
A payment sized to real revenue and a plan to resolve both balances

Illustrative example

Construction contractor

Lawsuit filed by a funder

Before
Facing a lawsuit and frozen receivables
After
An attorney answering the suit while the settlement fund builds

What changes when you enroll.

The calls stop coming to you

Once you enroll, funders and collectors deal with us, so you can get back to running your business.

A dedicated specialist, every week

You get one point of contact who checks in weekly with updates on every negotiation, not a ticket number.

Why going it alone is risky

MCAs often carry triple-digit effective APRs and aggressive contracts. Negotiating alone can mean worse terms or a missed legal deadline.

Finish with your business intact

The goal is simple: you complete the program, your advances are resolved, and your business is still yours.

Learn how the program works

Stop waiting. Your funders aren't.

Every week you wait is another week of withdrawals. Here's what you get with Eliminate MCA Debt:

  • One weekly payment replaces every daily pull
  • Attorney-backed program from the start
  • Settlement funds held in an account in your name
  • Weekly check-ins with your dedicated specialist
  • Designed to avoid an impact on your personal credit
  • Established relationships with major MCA funders
  • Balances often settled for a fraction of what is owed

MCA debt relief questions, answered.

Still have questions? Contact us

You built this business. Don't let a bad advance take it from you.

Your options are to pay it all, file for bankruptcy, or restructure. A free consultation shows you what restructuring could look like for your business, with no pressure to commit.

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