Daily payment drain
Fixed daily or weekly ACH debits hit before you can manage cash flow, leaving nothing for payroll or suppliers.
Commercial debt relief for business owners
The daily payments are draining your business. There's a way out.
When merchant cash advances pull money from your account every single day, there's nothing left for payroll, inventory, or growth. We help business owners reduce, restructure, and consolidate expensive MCA and commercial debt — so you can breathe again and keep your doors open.
Free & confidential
No upfront fees to talk
Commercial debt only
Photo: a relieved business owner
See what your advances really cost
MCA payment & runway estimator
Enter your numbers to see roughly how much your advances pull out each month and how long until the balance clears at today's pace. Educational only — it's not an offer or a quote.
Your merchant cash advance, at a glance
Roughly pulled out per month
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Time to pay off at this pace
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Estimates use ~5 business days per week and ~4.33 weeks per month and ignore fees, holdbacks, and reconciliation. Your actual terms govern. This tool does not pull credit and shares nothing. For a real picture, request a free debt review.
What we do
A way out of the MCA cycle — without false promises
A merchant cash advance can feel like a lifeline when you need cash fast. But the daily or weekly payments, high factor rates, and the temptation to "stack" a second and third advance can trap an otherwise healthy business in a cycle that gets worse every week.
Business Debt Relief Group helps owners step back, see the full picture, and choose a realistic path forward — whether that's consolidating multiple advances into one manageable payment, renegotiating terms with a funder, restructuring the balance, or exploring settlement. We explain what each option actually involves, what it costs, and what it does not do.
We'll never tell you we can "erase" your debt or guarantee a specific outcome. What we can promise is a clear, honest review of your options so you can make the best decision for your business.
The traps we help with
Why MCA debt is so hard to escape on your own
These are the specific situations that bring most business owners to us. If you recognize them, a free review is worth your time.
Stacked advances
Two, three, or more advances at once, each with its own payment, compounding the pressure every single day.
Refinancing the hole
Taking a new advance just to cover the old ones — the classic cycle that quietly doubles what you owe.
Brutal factor rates
A 1.4 factor rate turns a $50,000 advance into $70,000 owed, regardless of how fast you pay it back.
Confessions of judgment
A clause you may have signed that can let a funder obtain a judgment quickly if you fall behind. Learn more.
UCC liens & lockboxes
Liens on your receivables or a lockbox arrangement that intercepts revenue before it reaches you.
An honest note: Every business and every funder is different. Some advances can be renegotiated, consolidated, or settled; others cannot. We do not guarantee any creditor will agree to modified terms, and we are not a substitute for legal counsel. If your situation calls for an attorney or bankruptcy advice, we'll tell you.
Your options
The realistic paths out of expensive business debt
There's rarely one right answer. The best move depends on your revenue, how many advances you carry, your contracts, and your goals.
Consolidation
Combine several advances into a single, longer-term payment to break the daily-debit cycle. See how it works.
Renegotiation
Work with funders to adjust the payment amount or schedule when the current terms are unsustainable.
Restructuring
Reorganize the balance and timeline so payments line up with what your business can actually support.
Settlement
In some cases a funder may accept a reduced payoff. Outcomes vary and nothing is guaranteed.
Why owners come to us
The MCA cycle vs. having someone in your corner
The funders are not on your side. We are — and we tell you the truth about what's possible.
Going it alone
- Funders push another advance to "help" — and stack the debt
- Daily debits hit before you can plan cash flow
- Fine print like COJs and liens you didn't fully understand
- No clear way to compare consolidation vs. settlement
- The clock keeps ticking while you lose sleep
With Business Debt Relief Group
- One honest review of every realistic option — free
- Plain-English math on consolidation, renegotiation & settlement
- We flag the COJs, liens, and guarantees that change your options
- No large upfront fees just to talk it through
- A clear plan — and a referral to legal counsel when you need one
Why business owners trust us
Straight answers — not another sales pitch
We tell you the truth
No "erase your debt" claims and no guarantees. We explain what's realistic for your numbers — even when it's not what you hoped to hear.
No upfront fees to talk
The debt review is free and confidential. Be wary of anyone who demands a big payment just to look at your situation — that's a red flag.
Commercial-finance experience
Backed by Axiant Partners. The people who understand how these advances are priced are the ones reviewing your file.
How it works
Three steps to a clear plan
No pressure, no jargon. Just an honest look at where you stand and what you can do about it.
1
Free debt review
Tell us about your advances, payments, and balances. We listen and ask the right questions.
2
Your options, explained
We lay out the realistic paths — consolidation, renegotiation, restructuring, or settlement — with the trade-offs of each.
3
You choose, we help
If you decide to move forward, we help you pursue the option you picked. The decision is always yours.
$0
upfront to talk through your options
100%
confidential — your information stays private
1
conversation to understand every option
In their words
The situations owners describe when they call
Common, paraphrased sentiments from the business owners we talk to — illustrative of the pressure MCAs create, not specific endorsements.
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"Three advances were debiting every morning. I was using one to pay the other and still falling behind on payroll."
— A common starting point we hear
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"I signed something about a 'confession of judgment' and had no idea what it meant until it was too late."
— Why we always check your contracts
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"I just needed someone to tell me, honestly, what my actual options were — without trying to sell me another loan."
— What a free review is for
Who we help
Business owners across industries — and the people who advise them
We work with commercial debt across every sector. See the industry guides for how MCAs trap specific businesses.
- Restaurants & hospitality
- Trucking & logistics
- Construction & contractors
- Retail & e-commerce
- Auto & repair shops
- Medical & dental practices
- Salons, gyms & services
- Manufacturing & wholesale
- Accountants & advisors referring a client in trouble
FAQ
Common questions about MCA debt relief
What is MCA debt relief?
It refers to the options a business owner can use to deal with expensive merchant cash advances — renegotiating the daily or weekly payment, consolidating multiple advances into one, restructuring the balance, or in some cases settling. The right option depends on your revenue, how many advances you carry, and your goals. We review your situation for free and explain the realistic paths.
Can a merchant cash advance be reduced or settled?
Sometimes. Because an MCA is technically a purchase of future receivables rather than a loan, it's handled differently from traditional debt. Some funders agree to modified terms or a reduced payoff when a business genuinely cannot sustain the schedule. There's no guarantee, and outcomes vary by funder, balance, and circumstances.
Is this a scam, and are there upfront fees?
The initial debt review is free and confidential, and you should never be asked to pay large fees before any work is done. We work for the business owner, not the funder. Be cautious of anyone who guarantees they can erase your debt or demands a big payment just to talk — those are warning signs.
Will this hurt my business credit?
It depends on the path you choose. Consolidating or renegotiating is different from missing payments. Any approach involving modified or reduced payments can have consequences, and a confession of judgment or UCC lien may already be in place. We walk you through the trade-offs so you can decide. We are not a law firm and do not give legal advice.
What is a confession of judgment?
A clause some MCA contracts include that can let a funder obtain a court judgment quickly if you default — sometimes without a normal court fight. COJs have been restricted or banned in some jurisdictions. If you signed one, understand it before acting. Read more on our MCA relief page.
Is this consumer debt settlement?
No. We work with commercial (business) debt such as merchant cash advances and short-term business loans — not personal credit cards or consumer debt. The rules, options, and providers for business debt are different.
Stop losing sleep over the daily debit
Get a free, confidential debt review
Tell us what you're dealing with. We'll explain your realistic options — consolidation, renegotiation, restructuring, or settlement — with no pressure and no obligation.
Free review. No large upfront fees to talk. We tell you the truth about what's possible.