MCA Debt Repair for Contractors, Crews, and Trades Businesses
Whether you run a one-man shop, lead a small crew, or manage multiple projects, you’ve built your business with grit and hard work. But unpredictable payments, high upfront costs, and Merchant Cash Advance (MCA) debt can challenge even the most seasoned pros.
At MCA Debt Repair, we help auto repair shops and mechanics negotiate and settle MCA obligations, aiming to improve cash flow and operations, keep your projects moving, and help you take back control of your business finances.
Why Contractors Like You End Up Trapped in Business Debt
When a big job comes with upfront costs or an unexpected delay, many contractors turn to Merchant Cash Advances (MCAs) or factoring. While fast, these options often create long-term challenges, as The Impact of Debt on Small Business Growth explains. Without the right plan, it’s easy for debt to start managing your business instead of the other way around.
The Real Cost of Merchant Cash Advances in the Trades
MCAs are marketed as aquick lifeline, but their daily or weekly withdrawals can quickly turn into a cash flow chokehold. For contractors, this often means:
Daily or weekly withdrawals reducing profits and payroll budgets
Multiple overlapping advances (aka “MCA stacking”)
Delayed vendor payments or stalled projects due to lack of funds
Lien threats from lenders or missed payroll for crews
Signs You’re Stuck in a Debt Spiral (Even if the Work Keeps Coming)
Falling behind on vendor bills or equipment rentals
Using new MCA’s to pay off old ones
Pulling from personal funds to cover payroll or materials
Burning out trying to manage jobs and finances at the same time
Receiving legal notices or calls from lenders
“$185K in MCA debt negotiated down by 60% — we cut daily payments from $800 to $220.”
“They helped us get one payment we could afford instead of four withdrawals per day.”
Contractors Ready to Take Back Control
We offer business debt solutions for contractors and small business debt relief strategies that reduce MCA repayments, protect cash flow, and let you focus on running your projects — not chasing payments.
01
Free consultation to review your MCA agreements and current cash flow
02
Custom negotiation strategy aimed at reducing balances and seeking extended repayment terms (Merchant Cash Advance Settlement: How Long Does It Take?)
03
Creditor Outreach Efforts to seek reduced collection pressure
04
One manageable weekly program payment used to fund settlements so you can plan ahead
Questions Contractors Ask Before Reaching Out
Our goal is to minimize operational impact and protect your reputation with suppliers and clients.
Yes — our process for MCA debt relief for contractors is designed so you can keep operating while we handle negotiations in the background.
While results vary, some clients begin to see reduced withdrawals and better cash flow within 30–60 days, depending on lender cooperation and case complexity.
We focus on reducing MCA payments without compromising your ability to work. This may include extending repayment terms or restructuring debt to align with project cash flow.
Most contractors see their MCA debt resolved in 6–18 months, depending on the debt amount and negotiation progress.
Costs vary and are discussed upfront, typically based on a service fee and established setup costs.
Let’s Build a Better Future — One Call Can Change Everything
You’ve put in too much sweat and hard work to let MCA debt slow you down. Book your free, confidential consultation today — and take the first step toward making payroll, finishing jobs on time, and keeping your crew working.