MCA Debt Relief for Businesses Under Payment Pressure
Daily or weekly MCA payments leaving too little to operate? We help organize your financial picture and connect you with a potential relief provider based on your debt, industry and circumstances.
Free consultation and provider matching. Independent providers deliver services and set their fees.MCA Shield may receive compensation from referral partners.
How we help you find an MCA relief provider
Finding help can mean repeated calls and document requests. We organize your MCA debt schedule, help identify potential matches and explain the referral before sharing your file. If several providers appear suitable, we encourage you to compare them and tell us your preference.
MCA Shield provides financial consulting and referrals. Independent providers deliver contracted services and set their fees. We may receive compensation from select partners. Outcomes are not guaranteed.
Share your situation
After submitting the form, you receive a secure document request and an invitation to schedule an initial review call. We need your three most recent months of business bank statements, funder names, estimated balances and payment amounts.
Review potential matches
We assess potential providers against their minimum debt requirements, the industries they accept, your mix of MCA funders and the services relevant to your situation. We consider revenue changes, payment status and reported collection or legal issues. We explain why a provider appears suitable before requesting your authorization to share your file.
Meet the provider
We help submit your application and coordinate a review call. The provider evaluates eligibility, potential strategies and program terms. We assist with the handoff; after enrollment, its case manager typically becomes your main contact.
Missing funding agreements? You do not have to obtain them yourself to proceed. Once appropriately authorized, the relief provider can obtain balance summaries and any needed agreements directly from funders.
Firsthand perspectiveExperience with merchant intake—not just provider lists
My work in debt relief began in 2012, including MCA relief and restructuring since 2018. Through marketing, merchant intake and application support, I have learned to look beyond an advertised payment reduction.
I want to understand what changed in the business, how much the advances collect and which provider is equipped to review that situation. A complete file helps make the first provider conversation more useful.
— Shane Fitzgibbon, MCA Shield co-owner. My background includes work with Slate Capital Management, National Credit Partners and Value Capital Funding. I am not an attorney.
What is merchant cash advance debt relief?
Merchant cash advance debt relief seeks to make existing MCA obligations more manageable through contractual adjustments, negotiated payment changes or settlements. The right approach depends on your agreements, cash flow and funder participation. It does not always involve taking another loan.
Reconciliation
Where the contract provides for it, a review of actual receipts may support an adjustment to collections. Procedures and available remedies vary.
How MCA reconciliation worksPayment restructuring
Negotiated changes may lower periodic payments or extend the schedule. Lower payments do not necessarily mean a lower total cost.
Review MCA restructuringDebt settlement
A provider may seek a reduced payoff or agreed settlement schedule. Fees, funding requirements and creditor acceptance matter.
Understand MCA settlementNegotiation with MCA funders can be part of a workout. By contrast, new consolidation financing pays off advances using a new obligation. If that is unavailable or unaffordable, review alternatives to MCA consolidation.
When assets or personal guarantees are involved
Some situations require more than payment changes. Our UCC Article 9 restructuring guide explains asset-sale considerations. Review MCA personal guarantees and written releases to understand questions to raise with counsel. A business workout does not automatically release an owner's guarantee.
Compare MCA relief companies
Review services, available ratings, BBB information and expanded company profiles. Then check the provider's own website and written terms to decide whether its approach fits your needs.
Need debt relief for multiple MCAs?
Review the combined withdrawals, not just one payment. Our guide to stacked MCA debt explains how several advances affect the same operating budget. One payment to a provider does not by itself mean every funder has accepted new terms.
How much weekly cash do your MCA payments use?
Enter your combined withdrawals and a typical week’s receipts. This simple check shows the current burden, not a promised reduction or a determination of what you should pay.
Your weekly snapshot
With these example inputs, weekly outgoings exceed receipts by $1,000. That gap is a starting point for a cash-flow review.
This snapshot excludes starting cash, timing differences and any costs you have not entered. It is not a full financial forecast.
For mixed daily and weekly schedules, select “Weekly total” and enter the combined weekly amount. Our MCA payment relief guide explains how to assess the burden.
Questions about MCA debt relief
Can I get help before defaulting—or if I am already behind?
You can request a review in either situation, including if a funder has already reduced payments temporarily. Explain your current status and any legal notices. We generally serve operating businesses; we may not have a suitable provider for a business that has closed.
Can you review less than $75,000 in MCA debt?
Some providers consider smaller balances case by case. The number of funders, payment burden and business circumstances matter, so the balance alone does not determine eligibility.
What does the free consultation cover?
We discuss your balances, payments, current revenue, recent changes and expected cash flow. We also ask about payment accommodations or collection issues. The review helps organize your file for a potential referral; it is not legal advice or approval.
What will it cost, and how much could payments change?
MCA Shield's consultation is free. Providers explain their own fees and terms before you decide whether to enroll. There is no guaranteed reduction. Compare the total payout, fees and duration—not only the periodic payment—and ask when any fees become due.
Who receives my documents and handles the work?
We identify the proposed provider and explain the referral before sharing your file with your authorization. Independent providers deliver contracted services. We can help with remaining documents and communication during the handoff; the provider's case manager typically handles ongoing support. Review our Privacy Policy and form disclosures before submitting information.
Will requesting MCA relief stop withdrawals or lawsuits?
No. A request or enrollment does not itself change your obligations, stop collections or extend court deadlines. Read the guide to MCA withdrawals and default considerations and consult a licensed attorney before changing payment arrangements or responding to legal action.
Find a clearer next step for your MCA payments.
Tell us what you owe, what you are paying and what has changed. We will help determine whether a provider referral may fit.
Monday–Friday, 8 a.m.–5 p.m. Central
Still researching? Browse our MCA resources and guides or contact MCA Shield.
MCA Shield is a financial consulting and referral service, not a lender or law firm. Eligibility, costs and availability vary. Relief can involve collection, credit, legal or tax consequences, and not every business completes a program. Review written terms and seek qualified advice about your circumstances.