MCA Debt Relief for Small Business Owners

Daily ACH debits. Stacked advances. Another holdback eating into your revenue. Merchant cash advances can spiral fast — and traditional refinancing rarely fits. We connect business owners with specialists who handle MCA relief, restructuring, and settlement every day.

See if you qualify — free

Takes about 2 minutes. No obligation.

First name *

Last name *

Business name *

Email *

Mobile phone *

Estimated total business debt

Estimated monthly revenue

Type of debt (select all that apply)

Time in business

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How it works

Share your situation

Tell us about your advances, daily payments, and revenue in a 2-minute form.

Specialist review

A vetted MCA relief specialist reviews what's realistic in your case.

Explore options

Restructure terms, negotiate balances, or consolidate stacked advances.

Decide on your terms

No obligation. You choose if and how to move forward.

Is this right for you?

You have one or more merchant cash advances
Daily or weekly ACH payments are squeezing cash flow
You've taken a new advance to cover old ones (stacking)
You're behind, or fear default is coming
You'd consider negotiating balances to resolve the debt

What to know

MCA relief programs can affect your merchant processing relationships
Stopping ACH payments may trigger UCC liens, COJs, or lawsuits — specialists plan around this
Settled balances may have tax consequences
Outcomes vary based on lender, contract, and your specific situation
Not every business qualifies — that's what the free review is for

Common questions

Can you actually settle an MCA?

In many cases, yes. MCA funders often prefer a settlement over a lengthy collection or court process. Specialists negotiate to resolve balances for less than the full amount owed, though outcomes vary by funder and situation.

What happens if I just stop paying my MCA?

Defaulting on an MCA can lead to UCC liens, confessions of judgment (in some states), frozen merchant accounts, and lawsuits. That's why most owners work with a specialist who knows how to manage the process — rather than going silent.

I have stacked MCAs. Can you help?

Yes — stacked advances are common and exactly the kind of situation specialists handle. They review all positions together and build a single plan instead of fighting each funder one at a time.