MCA Debt Settlement Puts you Back in Control
If daily withdrawals are strangling your cash flow, it’s time to explore MCA debt settlement. We help business owners reduce what they owe, eliminate multiple payments, and breathe again.
Merchant Cash Advance (MCA) debt settlement is not a loan or a refinance. It’s a strategic negotiation to reduce the total balance you owe and stop the daily bleed on your cash flow. It can prevent legal action, avoid bankruptcy, and give your business a second chance.
If You’re Struggling with Multiple MCA Payments, Relief is Possible
MCA debt settlement can significantly ease financial pressure and give your business a second chance. It works by reducing your total MCA debt through negotiation, helping you regain control of your cash flow and avoid default. Here's how it helps:
We negotiate with your lenders to lower the total amount you owe. Instead of facing multiple aggressive daily withdrawals, we work to significantly reduce and/or extend those payments. This gives your business room to operate and plan ahead.
If you have multiple MCA positions, we coordinate a unified strategy to address them together. Instead of multiple daily withdrawals, payments are restructured and managed through a single weekly disbursement facilitated by a licensed third-party account administrator. This streamlines your cash flow, supports lender engagement, and helps reduce the risk of legal escalation.
Ultimately, MCA debt settlement is about freeing up the working capital your business needs to survive — and succeed.
Is this the Same as Debt Consolidation?
Not quite. In the consumer world, debt consolidation typically means combining multiple debts into a single, lower-interest loan. This can simplify payments and reduce total interest owed. Many business owners hope for a similar solution — a way to pay off their MCA debt fully, honorably, and affordably.
Unfortunately, that kind of true consolidation generally is not available in the MCA market. What’s marketed as MCA debt consolidation is often a product called a “reverse consolidation” — where you receive a new advance with fixed daily payments designed to cover your existing MCAs.
Is MCA Debt Settlement Right for your Business?
You’ve taken out multiple MCAs
You’re using new advances to pay off old ones
You’re behind on rent, payroll, or taxes
You’ve tried to restructure and hit a wall
“$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.”
MCA Debt Settlement Works
MCA debt settlement can significantly ease financial pressure and give your business a second chance. It works by reducing your total MCA debt through negotiation, helping you regain control of your cash flow and avoid default. Here's how it helps:
01
We start with a full review of your MCA agreements, cash flow, and business obligations.
02
We work with you to build a repayment plan based on your situation and specific needs.
03
Our team designs a custom negotiation strategy focused on reducing balances and preserving your operations.
04
You make one manageable payment — no new loans, no stacking, no surprise terms.
05
We coordinate with the lenders to negotiate settlements on your behalf and bring you the relief you need.
Real Businesses. Real Results.
“$250K settled for $112K — they stopped four lenders from suing and gave us room to breathe.”
“We were drowning in daily debits. Coastal helped us negotiate one payment that worked.”
Why MCA Debt Repair is the Go-To for MCA Debt Settlement
We focus on MCA debt —
not consumer relief
Over $100M in MCA
balances settled for our clients
No scare tactics. Just
strategy and support.
Industry-proven methods, always transparent
What Debt Relief Looks Like
Yes. We work with experienced professionals — including third-party attorneys when appropriate — to ensure the process is handled responsibly and in accordance with applicable rules .
We aim to reduce that risk by engaging with your creditors. If legal action is initiated, we help coordinate with third-party professionals to support your resolution strategy.
Absolutely. Our goal is relief that lets you stay open and operating.
Every case is different, but some clients settle for 40-60% of what they originally owed.
Let’s Talk About your MCA Debt Settlement
A free, honest consultation is your first step toward re-writing your financial story. No pressure — just answers.