We offer 100% payback to all lenders, and stipulate that our new agreements reflect balances  as “paid in full” versus settled for less. This allows us to protect and preserve the businesses  borrowing profile, with the goal being to get them in a position of qualifying for a more  traditional consolidation loan once their DTI and cash flow improves.

Settlement companies take all of their fees upfront, and put very little in a merchants escrow  account, which means it typically takes them 3-6 months (if not longer) before they reach out to  lenders, yet alone attempt to make a payment to them. This almost always gets merchants sued,  leads to liens being filed, etc. At the end of the day, merchants end up paying settlement  companies non-refundable fees to do virtually no work for several months.

Once we reach an agreement, we reach out to your lenders within 24-48 hours of enrollment, and immediately begin the  negotiation process. We start by verifying transaction history and balances via ledgers, and  then negotiate based off those verified ledgers. This ensures that all parties agree with what is  owed. We typically see new agreements in place anywhere between 1-4 weeks, which is  extremely fast. Our fees are baked into the merchants reduced payments and collected over a  6-8 month period (on average). 

Simply put, lenders work with us because we have built long-lasting relationships and rapport due  to our unique approach, and non-adversarial negotiation strategies. 

Our MCA Debt Relief Program is not a reverse consolidation or a settlement. Reverse consolidations typically add another daily or weekly debit on top of existing MCAs, using that new funding to slowly pay down the balances. That increases the merchant’s total debt and often worsens cash flow pressure.

In contrast, our program restructures the existing MCA agreements directly with the lenders. We reduce the merchant’s payments by 50–70% on average, without stacking new advances. Merchants keep operating cash flow, lenders still recover 100% of balances, and accounts are reported as paid as agreed rather than delinquent.

Yes—it’s a different product altogether. We are not buying out or refinancing MCAs. There’s no new debt, no increased exposure, and no adversarial settlements.