What Is Happening?
If you have a Merchant Cash Advance (MCA), you may be experiencing daily or weekly ACH debits that are consuming a significant portion of your business revenue. You may have one MCA or several "stacked" advances from different providers.
Understanding your situation is the first step. You have MCA debt. You have options. The right path depends on your specific circumstances.
What Information Should I Gather?
- All MCA agreements (every position)
- Recent bank statements (3–6 months)
- List of all active MCA positions with balances
- Payment amounts and frequencies for each
- Any UCC filings against your business
- Any collection or legal correspondence received
- Current revenue and cash flow figures
- Business tax returns
What Options May Exist?
There is no single "MCA debt relief" program. Different situations may call for different paths. Explore each to understand what it means and whether it may apply to your situation:
MCA Buyout & Refinance
Replacing MCA obligations with longer-term financing
Learn moreSBA & Longer-Term Financing
SBA, conventional, or private credit options
Learn moreMCA Payment Modification
Adjusting existing payment terms
Learn moreBusiness Debt Restructuring
Reorganizing multiple obligations
Learn moreMCA Settlement
Resolving an obligation through negotiation
Learn moreMCA Consolidation
True refinance vs. stacking another advance
Learn moreMCA Default
What default may mean
Learn moreUCC Lien Issues
Understanding UCC-1 filings
Learn moreMCA Lawsuit Support
What to do if facing legal action
Learn moreWhat Should I Avoid Doing Impulsively?
- Do not take another MCA to cover existing MCA payments without understanding whether the transaction truly improves your situation
- Do not ignore legal notices or court deadlines—these may have serious consequences
- Do not stop ACH payments or close your bank account without understanding the consequences under your agreement
- Do not assume there is only one option—different situations call for different paths
- Do not assume you have no options—most businesses have more paths to explore than they realize
What Should I Evaluate Before Taking Another Advance?
Before taking another MCA, a business should evaluate whether the new advance truly improves its situation. The following factors may help:
For help calculating your current payment burden, see our MCA Payment Burden page. For guidance on distinguishing true consolidation from stacking, see our MCA Consolidation page.
MCA Document Checklist
If you are evaluating your MCA situation or considering requesting a review, gathering the following documents in advance may help:
- All MCA agreements (every position)
- Any personal guarantees signed
- Any Confession of Judgment documents
- Recent bank statements (3–6 months)
- List of all active MCA positions with balances
- Payment amounts and frequencies for each position
- Any UCC-1 filings against your business
- Any collection or legal correspondence received
- Current revenue and cash flow figures
- Business tax returns (most recent)
- Profit and loss statements
- Any modification or settlement correspondence
Find My MCA Options
Complete a confidential evaluation to help our team understand your situation and identify which options may be worth exploring.
Find My MCA OptionsNo obligation · Confidential · Educational
Frequently Asked Questions
Do I need to be in default to explore options?
No. In fact, understanding your options before default may give you more paths to consider. Some options, like refinancing, may require the business to be current on obligations.
Is there one 'best' option for MCA debt?
No. The appropriate path depends on your business's revenue, profitability, credit, number of positions, default status, and other factors. What works for one business may not be appropriate for another.
Should I just take another MCA to cover payments?
This may increase your total payment burden rather than solve the problem. Before taking another advance, understand whether it truly improves your situation or simply adds another obligation.
What if I'm already facing a lawsuit?
Do not ignore legal documents. Court deadlines may be short. Consider obtaining advice from qualified legal counsel. See our MCA Lawsuit Support page for an educational checklist.
How do I request a human review of my situation?
Complete the Find My MCA Options evaluation. Our team can then review your details and help you understand which options may be worth exploring.