When advance payments start taking the money you need for payroll, fuel and inventory, the problem compounds fast. We restructure and settle merchant cash advance debt so the business has room to operate again.
Add up every open position.
family owned, father and son. BBB accredited. thousands of business owners helped.
Results vary and are not guaranteed. Figures describe past negotiations and do not predict the outcome of any individual case. No result is promised or implied.
Featured in
How it works
You have already spent enough time on the phone with funding companies. From here, that is our job.
Two questions about your advance positions. No documents, no credit pull, nothing that touches your file.
We read every agreement you are carrying, including the reconciliation language most owners never knew was there.
We deal with the advance companies directly so you can go back to running the business instead of dodging calls.
Whether that is a restructured schedule or a negotiated payoff depends on your position and what the funder will accept.
What we do
Restructuring and settlement solve different problems. Which one fits depends on whether you are current, behind, or already in default.
For businesses still paying but drowning in the schedule. We renegotiate the daily or weekly pull into a fixed payment the business can actually carry, using the reconciliation terms already in most agreements.
How restructuring worksFor positions already in default. We negotiate the balance down to a figure the funder will accept as payment in full. Negotiated settlements in this industry have historically landed in the range of 40 to 60 cents on the dollar.
How settlement worksResults vary and are not guaranteed. Settlement figures describe past negotiations and do not predict the outcome of any individual case.
Industries
A trucking company and a restaurant carrying the same balance are in two completely different situations. The plan should reflect that.
Advance debits collide with factoring liens, fuel cards and driver settlements. How carriers restructure or negotiate merchant cash advance balances.
Card splits, lockboxes and holdbacks take their cut before you see a deposit. How restaurants restructure or negotiate merchant cash advance balances.
When parts credit goes COD, a repair shop stops earning. How independent shops restructure or negotiate merchant cash advance debt without losing bays.
Reimbursement lands 30 to 120 days after the visit while the advance debits daily. How practices restructure or negotiate merchant cash advance balances.
Retainage, slow draws and unapproved change orders leave you funding the job. How construction firms restructure or negotiate merchant cash advance debt.
Deposits, seasonal swings and dealer finance fees leave trade contractors exposed. How service companies restructure or negotiate advance debt.
Not on our industry list? Use this assessment to find where your advance is actually collecting from and what restructuring or negotiation looks like.
Why us
Our team spent years inside the funding world before working against it. We know how these companies price risk, when they will move, and when they are bluffing.
A father and son operation. You will talk to the same people through the whole process, not a rotating queue of closers working a script.
If your position is weak, we will say so on the first call. We would rather lose the client than sell someone a plan that will not work.
Questions
Short answers here. Longer ones in the guides, and the longest on the phone.
Our program is built for businesses carrying at least $20,000 across their advance positions. Below that, the math usually favors negotiating directly with the funder, and we will point you to the resources to do that.
Nothing stops a debit automatically, and anyone who tells you otherwise is selling something. What changes the debit is a renegotiated agreement, whether that comes through the reconciliation clause in your existing contract or through a restructured schedule we negotiate on your behalf.
It depends on how many positions you hold and how each funder operates. Some agreements are renegotiated in weeks. Settlements on defaulted positions often take longer. We give you a realistic range once we have seen your contracts, not before.
We explain our fee structure in full on the first call, in writing, before you decide anything. Any company that demands a large payment before doing any work is a company to walk away from.
That changes the timeline but not whether we can help. Lawsuits have deadlines that matter, so the sooner you reach out the more options remain. Where a case calls for legal work, it is handled by licensed attorneys experienced in MCA defense.
We work with businesses across much of the country, though services are not available in all states. Tell us where you operate and we will be straight with you about whether we can help.
Next step
Answer two questions about your advances and we will tell you what options are realistic for your situation. Free, confidential, no obligation.
About a minute
Services are not available in all states.