Every business that comes to us is in a different situation — different number of MCAs, different cash flow, different urgency. That's why we build a custom path for every client, not a one-size-fits-all package.
Get My Custom Analysis →Tell us where you are — we'll show you the path forward that fits your exact circumstances.
You're making payments but there's nothing left at the end of the day. Daily ACH debits are consuming your cash flow and you can't grow — you're just surviving.
You took a second or third MCA to cover the first one. Now you have multiple daily pulls that together are bleeding you dry. The debt is compounding.
You've missed payments. Lenders are calling. You may have received a notice of default or a Confession of Judgment threat. You feel like options are running out.
Your sales dipped — seasonally, due to an economic shift, or from an unforeseen event. Your MCA payments were manageable before. Now they're not.
Your business is doing well but the MCAs are consuming capital you need to hire, expand, or take on bigger contracts. You want to move forward, not just tread water.
A lender has filed a COJ, threatened to freeze accounts, or contacted your bank. This requires urgent, expert intervention — not guesswork.
There isn't one correct answer for every business. Here are the primary strategies we use, often in combination.
We pay off all your existing MCAs and replace them with a single, lower structured payment. Daily withdrawals stop. You get breathing room immediately.
If one MCA is your biggest burden — the highest rate, the most aggressive terms — we can surgically target that one position without restructuring everything.
When you're behind or in default, negotiation can produce outcomes far better than you expect. MCA lenders often prefer a settlement over a drawn-out collection battle.
Sometimes you don't need to pay off the MCA — you need different terms. We negotiate directly with lenders to reduce payment frequency, lower amounts, or extend timelines.
For businesses ready to leave MCAs behind entirely, we help you qualify for and transition to SBA loans, term loans, or business lines of credit at sustainable rates.
Many businesses need a combination of approaches. Phase one might be emergency negotiation, phase two a partial buyout, phase three a transition to term financing.
Here's exactly what happens when you work with us — no surprises, no mystery.
You fill out our short form or call us directly at (256) 794-9788. We gather basic information about your MCAs — number of advances, approximate balances, monthly ACH amounts, and how current you are. This takes 10–15 minutes.
Our team reviews your MCA contracts, factor rates, remaining balances, and cash flow data. We determine which path — or combination of paths — produces the best outcome for your specific business. Every analysis is different because every business is different.
We walk you through exactly what we can do, what it will cost, and what your new payment structure looks like. No vague promises — you see specific numbers. You decide if you want to move forward. If it doesn't make sense for you, we'll tell you that too.
Once you decide to move forward, we gather the documents needed to finalize your solution. Our process is streamlined — most clients provide documents digitally in a few hours. We handle lender communications entirely on your behalf.
Once approved, your existing MCAs are paid off. Daily or weekly ACH withdrawals stop. You begin your new, single monthly payment — and for the first time in months, your bank account stops bleeding. You're in a position to breathe, plan, and grow again.
There are other consolidation companies. Here's why the businesses that matter most to us choose to work with us.
We don't have packages or tiers. Every solution is built around your specific cash flow, your specific lenders, and your specific goals.
You're not handed off to a call center. Your assigned specialist works your file start to finish and is available to answer questions throughout.
Zero out-of-pocket cost to get started. Our fees are structured into the financing. If we can't help you, you owe us nothing.
When your cash flow is bleeding, every day matters. We have a same-day analysis process and can move to funding in under two weeks in most cases.
You stop fielding calls. We communicate directly with your MCA lenders, negotiate on your behalf, and handle all coordination through to payoff.
We tell you exactly what we can do, what it costs, and what it looks like — before you commit to anything. No bait and switch. No fine print surprises.
Tell us where you are. We'll build you a solution that actually fits — free, with no obligation, in 1–3 business days.