MCA debt settlement helps business owners reduce and resolve outstanding Merchant Cash Advance obligations by negotiating directly with the funding companies on their behalf. Instead of daily or weekly payments that strain cash flow, the goal is a new agreement with a reduced balance, lower payments, or a structured payoff that's more manageable, helping you avoid default, lawsuits, or bankruptcy.

It depends on the number of MCAs you have, the total balance, your business's financial situation, and how aggressive the lenders are. Many businesses settle for significantly less than the original balance, often 30% to 75% or more in total repayment. No company can guarantee exact savings, but settlement can dramatically reduce the overall burden.

Faster than most owners expect. Negotiating with your funders and getting new agreements in place typically takes about 4 weeks. From there, you simply follow the new payment plan, and the length of that plan depends on the terms negotiated for your situation. The stressful part, getting funders to the table and payments reduced, is measured in weeks, not months.

Yes. In most cases you can keep operating throughout the process. The whole point is relieving the pressure of overwhelming payments so you can cover payroll, rent, and inventory and keep growing. We handle communication with funders on your behalf to minimize disruption.

Most types, from both direct lenders and brokers:

• Traditional MCAs with daily or weekly withdrawals
• Stacked MCAs (multiple advances at once)
• Revenue-based financing agreements
• Short-term business loans that function like MCAs
• Defaulted or delinquent accounts, or accounts in collections

Whether you have one MCA or several, and whether you're current or behind, we can review your situation and find the best strategy.

Usually not. A reverse consolidation does not pay off your MCAs. It is new financing that funds your existing payments while you repay the new funder over a longer term, which means you owe more in total, pay for longer, and add another creditor with claims against your business. Real relief reduces what you owe; a reverse consolidation increases it. Read our full breakdown: Reverse Consolidation: Why It Is Just Another MCA.

It depends on the problem. If you are being sued, have a judgment entered against you, or your accounts are frozen, you need a lawyer who can file motions and appear in court. If the problem is unsustainable payments and funders who need to be brought to the table, certified negotiators working on a performance basis are typically the better fit: attorneys commonly charge retainers of $5,000 to $25,000 upfront regardless of outcome, while performance-based firms are paid when your debt is actually reduced. See the full comparison: Certified Negotiators vs. Attorney Retainers.