Relief and Restructuring for MCA Debt Obligations
Multiple merchant cash advances mean multiple daily or weekly withdrawals, and for many businesses there is little left to operate on. The common fix, taking a new advance to pay off the old ones, often makes the problem worse. We assess your full MCA position and introduce you to the solution that fits.
This debt consolidation service is available to businesses operating across Canada and the United States.
Is This Your Business?
- Two or more active merchant cash advances
- Daily or weekly withdrawals that leave too little to run the business
- Considering another advance to cover the ones you have
- Struggling to make payroll or pay suppliers on time
We start with your agreements. Before recommending any path, we review each advance: balances, holdback rates, reconciliation terms and default provisions. Those details shape which options are realistically available to you.
To get started, send us:
- All current MCA agreements
- Your last 3 to 6 months of business bank statements
- A list of each funder with the remaining balance and payment amount
Legal advice is provided by the attorneys involved in any restructuring.
Three Paths, Not One
For businesses that can no longer keep up, a legal team negotiates directly with your MCA funders to lower balances and reset payments to a sustainable level.
Built for stacked advances: a provider funds your existing daily or weekly payments while you repay one lower payment over a longer term, freeing up cash flow.
For businesses with stronger financials, high-cost advances are replaced with a conventional term loan carrying fixed, predictable monthly payments going forward.
Each option carries different costs, risks and eligibility requirements. We review your position and explain the trade-offs before any introduction.
Restore Operating Cash Flow and Financial Clarity
Consolidating fragmented high-interest advances delivers immediate balance-sheet stability and predictable debt servicing.
Substantially Lower Monthly Payments
Replacing high-factor-rate daily withdrawals with monthly amortized payments to immediately free operational cash flow.
Simpler, Transparent Loan Terms
Eliminating compounding short-term MCA balances in favor of a clear, single-facility debt schedule with fixed maturity dates.
One Cohesive Path Forward
Ending creditor fragmentation and restoring the enterprise credit profile to qualify for conventional institutional banking.