Consolidation
Combine several advances into one longer-term, more manageable payment to break the daily-debit cycle. Best for revenue-generating businesses that need breathing room.
Four ways out of the cycle
How we help you escape expensive business debt
There's rarely one right answer. Depending on your revenue, how many advances you carry, and your contracts, the path forward might be consolidation, renegotiation, restructuring, or settlement. Here's what each one does — and how to tell which fits.
Photo: how we help
The approaches
Pick the lever that fits your situation
Each links to a full explainer. Not sure which applies? That's exactly what a free review sorts out.
Renegotiation
Work directly with funders to adjust the payment amount or schedule when the current terms are unsustainable. Best for one or two advances you can't keep up with.
Restructuring
Reorganize balances and timelines across your debt so payments match what the business can actually support. Often paired with operational changes so relief sticks.
Settlement
In genuine distress, a funder may accept a reduced payoff. It can cut what you owe but has real trade-offs, and nothing is guaranteed.
Start here
See the pressure you're under
Three numbers tell us a lot: your total balance, your combined payment, and how fast it's clearing. Try the estimator, then book a free review for the full picture.
MCA payment & payoff estimator
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.
How to choose
Which path fits your business?
| If you're… | Often the best first look |
|---|---|
| Still generating revenue but crushed by multiple daily debits | Consolidation |
| Stuck on one or two advances you can't sustain | Renegotiation |
| Dealing with mixed debt and timing problems | Restructuring |
| In genuine distress where full repayment isn't realistic | Settlement |
| Not sure where you stand | A free debt review |
We don't push one product. Many situations call for a blend of approaches, and the right answer depends on your numbers and contracts — including any confession of judgment or UCC lien. We're not a law firm, and we'll tell you when an attorney should be involved.
FAQ
How we help — questions
How does Business Debt Relief Group help with MCA debt?
We start with a free, confidential review of your advances, payments, and balances, then explain the realistic paths: consolidating multiple advances into one payment, renegotiating terms with funders, restructuring the balance and timeline, or settling for a reduced payoff when a funder agrees. We help you choose and pursue the option that fits — without guaranteeing outcomes or charging large upfront fees just to talk.
Which option is right for my business?
It depends on three things: your total balance across all advances, your combined daily or weekly payment, and your sustainable cash flow. A revenue-generating business that mainly needs breathing room often fits consolidation or renegotiation; a business in genuine distress may be a candidate for settlement. Many situations call for a blend.
Do you charge upfront fees?
The initial debt review is free and confidential, and you should never be asked to pay large fees just to discuss your options. Be cautious of anyone who guarantees they can erase your debt or demands a big payment before any work is done.
Not sure which path is yours?
Let's figure it out together — free
Bring your balances and payments. We'll tell you honestly which approach fits, with no pressure and no obligation.
Free, confidential, and no large upfront fees to talk.