Factor rate calculator · tool
Enter your advance and factor rate to see the total cost and the real APR-equivalent. Free, instant, no credit pull.
Plain-English answers
MCA & business debt guides
Merchant cash advances are deliberately confusing. These guides explain — in plain English — how they really work, the contract traps to watch for, and the realistic ways out. No jargon, no false promises, no pressure.
Understand your debt
How merchant cash advances really work
Before you can fix it, it helps to understand exactly what you're dealing with — and the contract clauses that change everything.
MCA vs. business loan
Factor rates vs. APR, daily debits vs. monthly payments, and why an MCA can cost far more than it looks.
Confession of judgment
The clause that can let a funder get a court judgment fast if you default — and what to do if you signed one.
UCC lien on a business
What a UCC filing means, how lockboxes intercept your revenue, and how liens get resolved.
MCA default: what happens
What can actually happen if you stop paying a merchant cash advance — and how to get ahead of it.
MCA reverse consolidation
A heavily marketed "fix" that can deepen the hole. What it is, how it works, and the risks.
How to get out of MCA debt
The cornerstone guide: the four realistic paths out of merchant cash advance debt, start to finish.
If you're in trouble right now
When it's already serious
Behind on payments, being pressured, or already served? Start here — and remember a free review is one call away.
Being sued by an MCA company
The deadlines you can't miss, the steps to take now, and whether you can still settle.
How to stop MCA payments
Can you shut off the daily debit? Yes — but here's why doing it in a panic backfires.
MCA reconciliation
The clause that's supposed to lower your payment when sales drop — and how to use it.
Personal guarantees
Why a personal guarantee puts your own assets on the line, and whether it can be negotiated.
Debt relief vs. bankruptcy
An honest comparison to help you decide which path fits your situation.
MCA default: what happens
The full chain of consequences if a default and judgment land.
Your options
The realistic ways out
Four approaches to expensive business debt — what each does, when it fits, and the trade-offs. Not sure which is yours? See how we help.
Consolidation
Combine several advances into one longer-term, more manageable payment.
Renegotiation
Ease the terms of an advance you already have — lower payment, longer schedule, reconciliation.
Restructuring
Reorganize your whole debt picture so payments fit what the business can support.
Settlement
When a funder may accept a reduced payoff — and the real trade-offs of going that route.
Start here
New to all this? Read these first
MCA Debt Relief guide
The full overview — how advances trap businesses and the four ways out.
How our process works
From free debt review to a clear plan, in four no-pressure steps.
Get a free debt review
Tell us your numbers and we'll explain your realistic options — no obligation.
Reading is a good start
Talking it through is better
Every business is different. A free, confidential review turns these general guides into a clear answer for your specific situation.