How can you reduce my MCA payments by 50%?

We work directly with your MCA lenders to negotiate modified payment terms, extended timelines, and in many cases, reduced balances or settlements for less than the full amount owed.

Is MCA debt restructuring legal?

Yes. MCA debt restructuring is a legitimate and legal process. We work within established financial and legal frameworks to negotiate better terms on your behalf.

Are there any upfront fees?

No. MyMCAOptions charges no upfront fees. We only get paid when we successfully reduce your payments.

How long does the MCA restructuring process take?

Most clients see results within 2–4 weeks. Simple cases can be resolved even faster.

Will MCA restructuring affect my credit score?

MCA agreements typically do not report to personal credit bureaus, so restructuring usually does not impact your personal credit score.

What is myMCAoptions?

Get a customized plan to restructure your merchant cash advance payments and save up to 80% on your obligations.

Terms Of Service | myMCAoptions

Last Updated: February 17, 2026

1. Acceptance of Terms

By accessing or using MyMCAOptions services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Services Description

MyMCAOptions provides merchant cash advance restructuring and settlement services. We analyze your current MCA obligations and negotiate with lenders to reduce your payment obligations and extend repayment terms.

3. No Guarantees

While we strive to achieve the best possible outcomes for our clients, we cannot guarantee specific results. Payment reductions, balance reductions, and term extensions vary based on individual circumstances and lender negotiations.

4. Client Responsibilities

You agree to:

Provide accurate and complete information about your financial situation
Respond promptly to requests for documentation
Cooperate throughout the restructuring process
Make agreed-upon payments under the new terms

5. Fees and Payment

Service fees will be clearly communicated before you engage our services. No upfront fees are required for initial consultations.

6. Limitation of Liability

MyMCAOptions shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services.

7. Termination

Either party may terminate the service agreement with written notice. Terms regarding fees for services rendered prior to termination will apply.

8. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the modified terms.

9. SMS Messaging Terms

MYMCAOPTIONS LLC — Business Debt Resolution SMS Program

1. By opting in, you consent to receive SMS messages from MYMCAOPTIONS LLC regarding your inquiry about business debt resolution services, including case updates, appointment reminders, and follow-up communications.

2. You can cancel the SMS service at any time. Just reply STOP to any message. After you send STOP, we will send you a confirmation that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

3. If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at info@mymcaoptions.com.

4. Carriers are not liable for delayed or undelivered messages.

5. As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

6. Phone numbers collected for SMS communications are not shared with third parties for their own marketing purposes.

7. If you have any questions regarding our Privacy Policy, please review our Privacy Policy here.

10. Contact Information

For questions about these Terms of Service, contact us at:

Email: info@mymcaoptions.com