Remaining on the MCA (1.49 factor, 7 mo left)
$53,214/mo
for 7 mo more
Remaining to pay$372,500
MCA debt relief for US businesses
MCA Debt Repair assists small to medium businesses managing merchant cash advance payments. The work is a confidential review of those obligations for US companies — not a consumer debt program and not a guaranteed outcome.
See If You Qualify
Choose your debt amount
$250,000
$50,000
$4,000,000+
estimated savings
$67,500
Continue
My experience with MCA Debt Repair has been great! My rep Julio has been there every step of the way helping me get through the program. Great company!
Working with Alecha at MCA Debt Repair was an absolute relief. She walked me through every step of the process with patience, honesty, and professionalism. What felt overwhelming before became manageable thanks to her clear communication and steady support. She helped me settle a difficult debt situation with far less stress than I expected, and I’m incredibly grateful. If you’re feeling buried and unsure where to turn, talk to Alecha. She genuinely cares and knows how to get results.
Going through this process can be very uneasy at first, especially with all the different companies telling you they can help you in so many ways. Zack and Natasha were the first people to truly explain everything to me in detail and put me at ease. Natasha checks in on me constantly to make sure I’m ok and is quick to get the answers I am looking for and puts my mind at ease throughout the entire process. I am very grateful to have them on my side and know I can call anytime I need!
Simone did an outstanding job with our company. She was always true to her word and represented MCA Debt Repair IN THE MOST PROFESSIONAL MANOR .....
I hope she has continued success in the future assisting other people who get caught in a sticky situation. All the Employees were very professional and kind
I would not hesitate to recommend this company to ANYBODY!!!
I was a bit reluctant to move forward with this until I spoke with Zachary and Natasha. They helped put my mind at ease and have been VERY good at keeping me up to date of the situation and how the process works!!
I worked with Shanae Roberts. Their team was very responsive and explained the process clearly."She was helpful customer service, clear communication, effective results, empathetic towards the situation.
I cannot thank Carlos enough for his guidance through this process. He has been amazing in every way. Every question I have…..he is more than willing to answer. He has made me feel comfortable throughout the entirety of this process so far, and has taken a great amount of stress off of my mind. Carlos has been dependable, available, and thorough in every sense. I am impressed with his desire to help me, and I am happy to have him on my side. Five stars all the way so far. Thanks Carlos
The difference, by the numbers
What does an MCA balance cost at a 1.49 factor rate?
MCA Debt Repair uses this calculator to show what a merchant cash advance costs when the factor rate and remaining term are known. A $250,000 advance at a 1.49 factor creates a $372,500 payback. If none of that has been remitted, the leftover is $372,500, or about $53,214 a month across seven months. The sliders also compare a 10-month escrow settlement path and an illustrative six-month MCA Debt Repair path. The figures are examples, not a quote. Outcomes depend on the agreements, revenue, and creditor participation.
Already remitted $0 over 0 mo
7 mo and $372,500 left on the MCA
Debt settlement with escrow · 10 mo (on $372,500 remaining)
$29,800/mo
for 10 months
Total paid$298,000
MCA Debt Repair · 6 mo (on $372,500 remaining)
$12,417/mo
for 6 months
Total paid$74,500
| Path | Monthly | Term | Total |
|---|---|---|---|
| Remaining on the MCA | $53,214 | 7 mo | $372,500 |
| Debt settlement with escrow | $29,800 | 10 mo | $298,000 |
| MCA Debt Repair | $12,417 | 6 mo | $74,500 |
Then — months 18 to 24
Settle the balance on the terms of the business.
Option 1 · Lump sum
$186,250
50% of the leftover, paid up front. Close the matter at month 18 for as low as 50¢ on the dollar in this example.
Option 2 · 6 more months
$40,354/mo
60–70% of the leftover over months 18–24. Six monthly payments totaling $242,125 if cash stays in the business.
Example only. Payment amounts, timelines, and outcomes depend on the MCA agreements, revenue, and facts of the business. MCA Debt Repair is not a law firm and does not guarantee savings. Results vary. Business services only — not consumer or personal debt relief.
Start a $50K+ assessment
Book a review
Call Now
Want these numbers for a specific MCA position? Start a confidential $50K+ assessment, book a review window, or call (203) 293-6134.
Choose a starting path
Which MCA situation should start the file?
MCA Debt Repair routes US businesses with $50,000 or more in active merchant cash advance balances into one of four short paths. Each choice is recorded so a later ad audience can match the action. MCA Debt Repair is not a law firm. Results vary.
Payments strain cash flowRemittances are current but leave little operating cash. Opens the $50K+ assessment.
Behind or in defaultA debit has already failed or a default notice arrived. Opens the $50K+ assessment.
Stacked advancesMore than one funder is debiting the same deposits. Opens the $50K+ assessment.
Possible overpaymentRemittances may have exceeded the purchased amount. Opens the reconciliation explainer.
Or call (203) 293-6134 now, or book a review window. Business services only. Outcomes are not guaranteed.
Our Solution Is Easy, Fast And Secure.
Every business faces unique MCA challenges, and our solutions are tailored to meet these needs. All our plans follow a unified debt relief approach, expertly planned, negotiated, and legally secured by our team.
Immediate
Relief
Our first priority is ensuring your business operations continue smoothly while we work towards completely eliminating your debt.
Flexible
Payments
We design our payment program to strike the perfect balance between your financial capacity and the urgency to clear your debts.
Legal Protection
Upon enrollment, we provide robust legal resources, enabling you to focus on delivering value to your clients and expanding your business.
Struggling To Stay Afloat?
Apply for Immediate ReliefIndustries
No Matter Your Business, We've Got You Covered
Your Path to Debt-Free future
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Providing debt settlement solutions for truckers awaiting invoice payments. Ensure reliable cash flow and keep your business moving.
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Debt-Free Journey Starts Here
Restaurant Operational Support
Offering quick debt relief for equipment failures and operational needs. Helping you maintain smooth kitchen operations and stay open.
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Unlock Your Business Potential
Auto Repair Financial Relief
Settle debts quickly to cover expensive parts and urgent repairs. Keep your garage operational with our tailored financial solutions.
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Transforming Debt into Growth
Healthcare Provider Cash Flow Solutions
Streamline your cash flow while waiting on insurance payouts through effective debt settlement. Tailored solutions to keep your healthcare services running.
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Clear Your Debt, Continue to Grow
Contractors’ Financial Stability
Bridge funding gaps between projects with our debt relief solutions. Focus on building while we handle the billing challenges.
Learn More
Empowering Your Financial Freedom
Custom Debt Solutions for Various Industries
Tailored debt settlement solutions to meet the unique needs of diverse industries. Reliable and efficient support to keep your business thriving.
Learn MoreInspiring Success
Customer Results
MCA Debt Repair publishes sample settlement paperwork below. Names of people and companies are redacted. Dollar figures are from the underlying documents. Results vary.
61%
Savings
Savings
Debt: $12,791.87
Paid: $5,000
Paid: $5,000
49%
Savings
Savings
Debt: $107,684.07
Paid: $55,000
Paid: $55,000
56%
Savings
Savings
Debt: $40,569.92
Paid: $18,000
Paid: $18,000
30%
Savings
Savings
Debt: $169,006.00
Paid: $117,955
Paid: $117,955
44%
Savings
Savings
Debt: $400,000
Paid: $225,000
Paid: $225,000
73%
Savings
Savings
Debt: $23,000
Paid: $6,110
Paid: $6,110
We are here to help
Facing Debt Doesn’t Mean Facing It Alone.
It is possible. Faster and safe.
01
Book a free, confidential consultation with a debt settlement specialist
02
If eligible, we inject immediate cash flow into your business, giving us time to negotiate an optimal debt solution for you
03
Graduate debt-free in 6-18 months and secure your business's future
✺ Real Relief ✺ Real Stories
✺ Real Relief ✺ Real Stories
27%
savings
savings
Estimated Debt Settlement Figures of a MCA Debt Repair customer
Total Debt
$47,519
Weekly Payment
$895
Program Length
7 Months
Total Savings
$12,830
Our Services
This Is What Makes Us Special
Manage Debts With Ease And Confidence
Apply NowIncrease cashflow Upon Sign Up
Reduce weekly payment
Cut up to 80% off your MCA payments
Ability to Pay It Off Completely In 6-18 Mos.
Comprehensive Legal Protection
A dedicated Debt Settlement Advisor