The short answer is yes. The longer answer: what's actually negotiable depends on which funder you're with, what your contract says, where you live, and how distressed your business is. Here's what's typically on the table.
What you can usually negotiate
- Daily payment amount. Reducing the daily ACH to something your revenue can support.
- Payment frequency. Moving from daily to weekly is common.
- Term length. Stretching the payback over more time.
- Balance. In settlement scenarios, the total amount owed.
What's usually not negotiable
The factor rate on the original advance. Once that's set, it's set. What changes is what you ultimately pay back when restructuring or settling.
How specialists actually do it
They've done thousands of these calls with the same funders, so they know who tends to settle, who tends to litigate, and what numbers are realistic. They also handle the calls — which matters if you're already taking collection pressure.
A realistic timeline
Restructures can sometimes happen in a few weeks. Settlements typically take longer — months, sometimes a year or more depending on the funder mix and how the negotiation plays out. Anyone promising a one-week resolution is selling, not solving.