Many merchants burdened by stacked merchant cash advances eventually become un-fundable. Excessive daily or weekly withdrawals strain cash flow, damage bank balances, and eliminate eligibility for additional capital. At this stage, merchants are often left with few responsible options and are frequently exposed to risky or harmful advice.

Our program gives partners a way to convert these un-fundable MCA files into real revenue by transitioning struggling merchants into a structured MCA debt relief solution. Instead of abandoning the file or writing it off, partners can provide a viable path forward that focuses on stabilization, repayment structure, and long-term business survival.

Rather than pushing merchants toward defaults, payment stops, or actions that can trigger aggressive collections and legal exposure, this approach offers a compliant, revenue-aligned alternative. Merchants remain operational, payments are responsibly structured, and partners generate meaningful commissions while delivering a solution that protects both the business and its future.

Partners gain access to a dedicated platform built specifically for MCA debt relief submissions. The system uses real, data-driven underwriting to ensure accurate repayment structures and transparent commission calculations.

To submit a file, partners simply upload:

• • Three months of business bank statements
  • Existing MCA funder agreements

From there, our AI-driven underwriting engine evaluates cash flow, MCA stacking exposure, and repayment feasibility—handling the heavy lifting automatically.

One of the most important distinctions of our program is how repayments are handled. We arrange structured repayment plans designed to stabilize the business while honoring obligations responsibly.

There are:

• • No payment stops
  • No reckless tactics
  • No account debtor interference
  • No unnecessary legal exposure

This approach protects the merchant, preserves funder relationships, and ensures partners are paid based on sustainable outcomes—not short-lived disruptions.

Partners choose our program because it offers:

• • High commissions tied directly to enrolled debt volume
  • A professional, technology-driven underwriting process
  • Predictable outcomes for merchants and partners alike
  • A compliant alternative to harmful MCA “workarounds”

Most importantly, it allows ISOs to continue serving clients even when traditional funding is no longer an option—strengthening trust and long-term relationships.

“The $400 per closed referral is straightforward and rewarding. I recommend it to any ISO looking to boost their revenue.” – Taylor M.