If your business is getting squeezed by daily or weekly merchant cash advance repayments, Financely can help assess the stack, organize the file, and approach a restructuring strategy on a paid commercial mandate. This is for real operating businesses that need a credible workout process, not casual enquiries. Submit your deal here.
MCA debt restructuring for businesses under cash flow pressure
Merchant cash advances can go bad fast. A business takes one facility to cover a shortfall, then another one to cover the first, then a third one lands because payroll, rent, tax arrears, inventory purchases, or vendor payments cannot wait. Before long, the company is carrying multiple daily ACH debits, several funders, personal guarantees, UCC filings, and a balance sheet that no longer reflects operational reality. At that point, the problem is no longer “getting more capital.” The problem is stopping the bleed and restoring control.
Financely works with commercial clients that need structured help dealing with MCA pressure. Our role can include reviewing the debt stack, identifying who is getting paid and under what terms, mapping payment pressure against real cash generation, preparing a lender-facing file, and supporting negotiation strategy for a workout, standstill, revised payment plan, partial payoff, or broader refinancing path where credible. This is not a consumer debt relief service. It is a paid commercial engagement focused on businesses that need a serious restructuring process.
What we work on
Single-position MCA issues, stacked advance exposure, repayment pressure from multiple funders, liquidity compression from daily debits, lender file organization, short-term workout positioning, and restructuring preparation ahead of outside capital discussions.
Who this is for
Operating businesses with real turnover, active liabilities, and management willing to provide documents quickly. This service is best suited to owners who want an organized commercial response rather than scattered calls to individual funders.
| Item | Scope |
|---|---|
| Starting Retainer | USD 7,500 for initial review, debt stack assessment, file organization, and restructuring roadmap. |
| Typical Mandate Range | USD 7,500 to USD 25,000+, depending on the number of MCA positions, creditor complexity, pace of escalation, and negotiation burden. |
| Heavier Cases | Higher pricing applies where there are stacked funders, active enforcement risk, legal coordination, or extensive back-and-forth needed to stabilize the file. |
| Process | Submission, document review, paid mandate, restructuring work plan, lender-facing preparation, and commercial negotiation support where appropriate. |
| What We Do Not Offer | No guarantee of reduced balances, no guarantee of lender consent, no free consultation before mandate, and no consumer debt settlement service. |
Commercial positioning matters. A messy MCA file usually gets worse when the business owner approaches each funder with a different story, incomplete numbers, or emotional promises they cannot keep. The lenders may not be friendly, but they do react to clean files, current figures, and a realistic proposal.
Important: Financely is not a law firm, does not provide legal advice, and does not promise that a funder will freeze collections, amend terms, or accept a negotiated outcome. Legal counsel may be required in some situations, especially where litigation, judgments, confessions of judgment, or enforcement actions are in play.
Need help getting control of an MCA stack?
Submit the file with a clear summary of outstanding positions, repayment frequency, funder names, current pressure points, and the operating picture of the business. If the case fits our scope, we can issue a paid commercial mandate.
Financely acts as a transaction-led capital advisory and restructuring support desk for commercial matters. Services are provided on a paid mandate basis only. Any lender engagement, restructuring outcome, or refinancing path remains subject to third-party decisioning, legal constraints, underwriting, and the quality of the borrower’s documentation.