Reduce Your MCA Burden in Massachusetts
Experience relief from overwhelming MCA payments and regain financial stability with our expert debt restructuring services.
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Understanding the Need for MCA Debt Relief
Our Proven Process for MCA Debt Restructuring
Step 1
Initial Consultation: We begin with a comprehensive evaluation of your current MCA agreements and financial situation to understand your specific needs.
Step 2
Negotiation: Our team engages directly with lenders to negotiate reduced payment terms and consolidate multiple advances into a single, manageable plan.
Step 3
Implementation: Once new terms are agreed upon, we oversee the transition to ensure your business experiences immediate relief and improved cash flow.
Weekly Payment Reduction Chart
| Current | New |
|---|
| $1,000 | $500 or less |
| $2,000 | $460 to $1,000 |
| $3,000 | $690 to $1,500 |
| $4,000 | $920 to $2,000 |
| $5,000 | $1,150 to $2,500 |
| $6,000 | $1,380 to $3,000 |
| $7,000 | $1,610 to $3,500 |
| $8,000 | $1,840 to $4,000 |
| $9,000 | $2,070 to $4,500 |
| $10,000 | $2,300 to $5,000 |
Industries Benefiting from MCA Debt Relief
- Restaurants & Food Service
- Construction & Contracting
- Retail Stores & Shops
- Trucking & Logistics
- Healthcare & Dental Offices
- Auto Repair & Towing
- Fishing & Marine Businesses
- E-commerce Companies
- Salons & Barbershops
- Professional Service Providers
- Manufacturing & Production
- Hospitality & Tourism
- Technology & IT Services
- Financial Services
- Education & Training
- Real Estate & Property Management
- Nonprofit Organizations
- Media & Entertainment
Explore Our Featured Cities
Boston: The Hub of Business Innovation
Empowering Boston's Business Community
At MCA Shield, we recognize that Boston businesses face unique challenges in managing debt from merchant cash advances. Our team provides tailored debt relief strategies that relieve financial pressure and allow you to focus on growing your business. With our industry expertise and strong lender relationships, we negotiate terms that meet your needs, transforming your financial landscape and fostering stability and success. Partner with us to overcome financial obstacles and reach your business goals.
Worcester: A City of Opportunity
Supporting Worcester's Economic Growth
At MCA Shield, we understand that every Worcester business is unique, which is why our debt restructuring services are tailored to meet your specific needs with merchant cash advances. By partnering with us, you gain a team focused on your financial health, providing strategies to ease the burden of payments. Our local expertise allows us to negotiate better terms with lenders, enabling you to concentrate on growing your business. Together, we can transform challenges into opportunities for success in Worcester’s dynamic economy.
Springfield: A Center for Commerce
Enhancing Springfield's Business Landscape
In Springfield, we recognize that burdensome MCA payments can overwhelm business owners. Our dedicated team offers tailored debt relief solutions to ease financial pressures, allowing businesses to focus on growth and innovation. By improving cash flow and creating manageable payment plans, we empower Springfield businesses to seize opportunities and thrive, helping them achieve lasting success.
What Our Clients Say
“MCA Shield transformed our cash flow situation, allowing us to focus on growth instead of debt.”
John D.
Owner, Local Restaurant
“Thanks to MCA Shield, our business is thriving again. Their team negotiated terms we could manage.”
Sarah L.
CEO, Retail Chain
Unlock Your Savings Potential
Discover how much you can save on your MCA payments with a complimentary savings quote. Take the first step towards financial relief and regain control over your business finances today.
MCA Debt Relief — Qualification Requirements
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You must have one or more Merchant Cash Advances (MCAs)
Any number of advances qualifies — even 2, 3, 4, or more stacked MCAs. -
Your business must still be operating
Brick-and-mortar, online, service-based, or home-based businesses all qualify. -
You can be either CURRENT or in DEFAULT
Both situations qualify for relief options:-
Current accounts → payment reduction, consolidation, restructuring
-
Defaulted accounts → settlement, legal support, or workout plans
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Your business needs to have active deposits
Daily, weekly, or monthly revenue is sufficient — even if inconsistent. -
You must have a business bank account
Relief programs require an account where new, reduced payments can be managed. -
You must be experiencing MCA-related cash flow stress
Overdrafts, missed payments, seasonal slowdowns, or lender pressure all count. -
Any industry can qualify
Retail, construction, trucking, restaurants, medical, e-commerce, real estate, professional services, etc. -
UCC liens are okay
Many businesses with MCA liens still qualify for consolidation or settlement. -
Poor credit is not an issue
Relief programs focus on cash flow — not your credit score. -
You do NOT need collateral, tax returns, or new financing
MCA relief is not a loan — no underwriting or collateral is required. -
You can qualify even if you were denied by your MCA lenders
Previous funding denials do not affect eligibility.