Restructure Your MCA Payments Into Something Sustainable

Businesses whose MCA payments made sense when they were taken but no longer fit — revenue dipped, a seasonal slowdown hit, or stacked positions compounded into a daily debit total the account cannot sustain. Restructuring fits businesses that are still generating solid revenue and want to get ahead of the problem before missed payments and defaults, not businesses looking to dispute or escape their agreements.

A payment structure sized to your actual current cash flow. One arrangement instead of a stack of debits. Avoiding defaults, breached agreements, and the collection consequences that follow. Direct-funder underwriting that considers 1st through 5th position situations. Speed — same-day decisions for eligible applications.

Recovered cash flow from restructuring typically goes back into core operations: payroll, inventory, rent, supplier payments, and rebuilding the working capital cushion that stacked debits eroded.

Generally $25,000 or more in monthly revenue, an active business bank account, and one or more existing MCA positions. Underwriting is driven by revenue patterns and bank statement strength, not credit score alone. Not all applicants qualify.

Depends on the structure: a single fixed daily or weekly remittance, or a share of revenue, sized to your deposits — replacing the payment schedule that stopped working.

Banks rarely refinance MCA obligations, and most funders decline businesses with existing positions — especially 3rd, 4th, or 5th. Debt settlement firms charge fees to negotiate against your funders, which can trigger defaults. As a direct funder, we restructure with new funding on our own capital instead, keeping your agreements intact.