01
Restructuring & Renegotiation
Replace crushing daily ACH payments with sustainable monthly terms. We deal with the lender — you focus on running the business.
Nationwide AssistanceMCA Loan Resolution
Fighting for small business owners trapped in merchant cash advances.
Daily ACH withdrawals draining your account. Stacked advances you can't pay off. Confessions of judgment hanging over your head. We've helped owners across the country renegotiate, restructure, and reclaim their cash flow — without filing bankruptcy.
A small business story
"They were taking $1,400 a day. We thought we'd lose everything."
— Maria L., bakery owner, Queens NY
OVER $180M IN MCA DEBT RESTRUCTURED◆NATIONWIDE REPRESENTATION◆NO UPFRONT FEES◆CONFIDENTIAL CONSULTATIONS◆10+ YEARS FIGHTING PREDATORY LENDERS◆
Feature
The MCA trap, in plain English.
Merchant Cash Advances aren't loans. They're sold as fast funding — then structured to extract every dollar before you can recover.
Daily or weekly ACH withdrawals
Funders pull a fixed amount from your bank account every single business day, regardless of whether you can afford it.
Effective rates of 80–400% APR
Disguised as a 'factor rate,' the true cost pales in comparison to any traditional business loan.
Stacked advances
When the first MCA chokes cash flow, owners take a second, then a third. The math becomes impossible.
Confessions of judgment
Buried in the contract — a clause that lets funders freeze your accounts without warning or have to spend a day in civil court.
Section II — Services
What we actually do when you call.
02
Reconciliation & Refunds
Under MCA contracts, you have a right to reconciliation when revenue drops. Most lenders ignore it. We don't let them.
03
Litigation & Defense
Confession of judgment filed against you? UCC lien on your receivables? Our attorneys move fast and push back hard.
04
Cash Flow Recovery
A coordinated plan to stop the bleed, restore reserves, and stabilize payroll within 30–60 days.
The Process
From first call to lasting relief in four steps.
Free Case Review
30-minute confidential call. Bring your MCA contracts and recent bank statements.
Strategy & Quote
We map every advance, every lien, every COJ. You get a clear plan and a flat fee — no surprises.
We Take Over
Communications shift to us. Daily ACH calls, lender pressure, legal threats — handled.
New Terms
Most clients see restructured payments within 30 days. Many cut their daily debit by 60–80%.
Free Case Review
Tell us what's happening. We'll tell you what's possible.
30 minutes. Confidential. No obligation. Have a recent bank statement and your MCA contracts handy if possible.
Client Outcomes
Operators we kept open.
Real owners. Real numbers. Names shortened to protect private ongoing matters.
"MCA National stopped a $14k weekly debit that was strangling my payroll. Within ten days we had a workable plan and my team got paid on time."
Marcus R.
Owner, HVAC contractor — Dallas, TX
"I had three advances stacked and a COJ threat hanging over me. Their attorneys vacated the judgment and renegotiated every contract. I still have my business."
Priya S.
Founder, logistics startup — Newark, NJ
"Flat fee, straight answers, no upsell. They cut my daily payments by 62%!"
Daniel K.
Owner, specialty restaurant group — Chicago, IL
"Two UCC liens on my receivables and a frozen merchant account. They unwound the liens and got my processor back online inside a week."
Alicia M.
CEO, e-commerce apparel — Miami, FL
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"MCA National stopped a $14k weekly debit that was strangling my payroll. Within ten days we had a workable plan and my team got paid on time."
Marcus R.
Owner, HVAC contractor — Dallas, TX
"I had three advances stacked and a COJ threat hanging over me. Their attorneys vacated the judgment and renegotiated every contract. I still have my business."
Priya S.
Founder, logistics startup — Newark, NJ
"Flat fee, straight answers, no upsell. They cut my daily payments by 62%!"
Daniel K.
Owner, specialty restaurant group — Chicago, IL
"Two UCC liens on my receivables and a frozen merchant account. They unwound the liens and got my processor back online inside a week."
Alicia M.
CEO, e-commerce apparel — Miami, FL
Q & A
Questions owners ask us first.
We negotiate directly with funders.
01How do I get out of a merchant cash advance?+
Most owners exit an MCA through renegotiation, restructuring, or settlement. We contact your funders directly, pause aggressive collection, and negotiate reduced daily/weekly payments or a lump-sum payoff at a discount — without you having to declare bankruptcy.
02Can a merchant cash advance be settled for less than what I owe?+
Yes. MCAs are not traditional loans, and funders frequently accept settlements between 40–70% of the outstanding balance, especially when default is imminent. Our attorneys negotiate the lowest defensible payoff and get it in writing.
03What happens if I default on an MCA loan?+
Funders may file a Confession of Judgment, freeze your business bank account, contact your customers, or sue personal guarantors. Acting before default gives you the most leverage — but we also represent owners already in default or post-judgment.
04Can I consolidate multiple merchant cash advances?+
Stacked MCAs (3, 5, even 10+ positions) are our specialty. We restructure all positions into a single, affordable monthly payment your business can actually sustain — instead of taking on another high-cost reverse-consolidation loan.
05Are merchant cash advances legal?+
MCAs themselves are legal, but many contracts contain provisions courts have struck down as disguised usurious loans. We review every contract for unenforceable terms, illegal interest rates, and predatory clauses you can challenge.
06How long does MCA debt relief take?+
Most cases reach a restructured agreement within 30–90 days. Emergency situations — frozen accounts, COJs, lawsuits — get same-day attention.
07Will MCA relief hurt my credit?+
MCAs are not traditional loans and typically don't report to consumer credit bureaus. Restructuring with our help generally does not affect your personal credit score.
08Can I keep operating my business during the process?+
Yes. Our entire goal is to keep your business open and operational while we work with lenders to restructure the debt.
09What if there's a Confession of Judgment filed against me?+
Many state laws now restrict COJ enforcement against out-of-state businesses. Our attorneys can move to vacate, oppose entry, or negotiate immediate stays.
10Do you charge upfront fees?+
No upfront fees for the initial case review. If we take your case, you'll get a flat-fee agreement before any work begins.