Confidential, attorney-supported restructuring for business owners drowning in merchant
cash advance payments. The average client cuts daily debits by
50–70% — without taking on a single new loan, without a
credit check, and with no upfront fee.
ABF JournalABL AdvisorBloomberg BusinessweekJournal of Corporate RenewalInc.
312M+
Business debt restructured since 2012
68%
Average daily payment reduction
2,700+
Business owners protected nationwide
14days
Median time to relief from first call
The reality
One missed daily payment is all it takes for an MCA funder to lock up your receivables,
file a confession of judgment, and freeze your operating account.
And it gets worse with each stack. If you took a second, third, or fourth advance to
cover the first, you already know — the math doesn’t work. It was never
designed to.
01
Daily payments are eating revenue
ACH debits hit before payroll clears. You’re running the business to pay the
advance, not the other way around.
02
You’ve stacked 3+ MCAs
Each new advance was just buying time. Effective APRs north of
200%, sometimes 2,000%. The cycle is mathematically unwinnable.
03
UCC notices and COJs are circling
You signed a personal guarantee. They’re threatening your home, your spouse,
your operating bank. The clock is now hours, not weeks.
Our approach
Real restructuring. Not predatory “debt relief.”
Most so-called MCA relief firms charge enrollment fees up front, stall negotiations for
months, and abandon you when one funder refuses to play. We don’t. Our work is
modeled on the same playbook major corporate restructurings use — adapted for the
small and mid-market business owner.
We negotiate. We refinance. When the situation calls for it, we restructure under UCC
Article 9 with attorney support. And we don’t get paid until you do.
See what restructuring could do to your daily cash flow.
Move the sliders. The numbers update in real time using the same model our advisors
run on intake. Estimates only — your actual relief depends on your contracts and
funder mix.
$10K$1.5M
$200$25,000
18+
$840Krestructured in 19 days
Featured case
“They saved a 28-year-old family business.”
A specialty food manufacturer in New Jersey came to us with five active MCAs totaling
$840,000 against $4.2M in annual revenue. Daily debits had hit $11,200 and the founder
had personally guaranteed every contract.
In 19 days we cut total daily exposure by 71%, eliminated two
confessions of judgment, and refinanced the senior position into a 36-month structured
facility. The business kept all 22 employees. The founder kept her home.
Four steps. No drama. No paperwork until step three.
01
Confidential review
A senior advisor reviews your MCA contracts, ACH history, and current cash position.
30 minutes. No obligation. No sales pitch.
Day 1
02
Custom relief strategy
You receive a written plan: which funders to negotiate, which to refinance, how to
shield receivables, how to neutralize personal guarantees.
Days 2–4
03
We execute
We negotiate directly with every funder under our name — not yours. ACH debits
pause. Harassment calls stop. You go back to running the business.
Days 5–14
04
Sustainable structure
Restructured payments. Refinance options where eligible. A 90-day post-resolution
monitoring plan so you never end up here again.
Day 15+
Quick qualification
Five questions. Sixty seconds. Honest answer.
We don’t take every case — only the ones we’re confident we can
actually help. Answer five short questions and we’ll tell you on the spot whether
restructuring is the right path.
1 of 5
Question 01
How much do you currently owe across all MCAs?
Question 02
How many active advances are debiting your account?
Question 03
What’s happening with your business right now?
Question 04
What’s your monthly gross revenue?
Question 05
How quickly do you need relief?
You qualify for our priority program
Based on your answers, you’re a strong candidate for MCA restructuring.
Your profile matches the cases we resolve most successfully. A senior advisor can walk
you through a written plan in the first call.
You’re in. A senior advisor will call within 4 business hours
with your written plan. Watch for a 561 or 800 number.
Tap an answer to continue
In their words
What business owners say after the smoke clears
“I was three days from closing. They got us to 14 days from closing to a
5‑year plan in under a month.”
Marcus T.Trucking, 11-truck fleet · Texas
“Two attorneys had already told me to file Chapter 11. CCS got us to a workable
number without it.”
Lena R.Specialty food manufacturer · New Jersey
“They were the first people I called who didn’t try to sell me another
loan to fix the last loan.”
David C.Healthcare staffing · Florida
Who you’ll work with
Senior advisors. Not call-center reps.
Every Corporate Client Services case is led by a senior restructuring advisor with at
least 12 years in commercial debt workout, supported by in-house
counsel and a CFO-trained financial modeling team.
We won’t hand you to a junior negotiator. We won’t outsource. And if your
case escalates to litigation, we already have an attorney on it — included in your
flat fee.
A+ BBB Rated
FCRA Compliant
NACBA Affiliated
SOC 2 Type II Data Security
Frequently asked
The questions every business owner asks us first
How much can you actually reduce my MCA payments?
+
Our clients average a 50–70% reduction in daily/weekly debits
inside the first 30 days. The total balance reduction depends on the funder, the
contract language, and how much of your portfolio is past due. We give you a
realistic written number in your first review — never a guess.
Will this hurt my personal credit?+
MCAs are commercial debt and don’t appear on personal credit. The risk is the
personal guarantee — which we address explicitly in every plan. Most clients
see no personal-credit impact at all.
What if I’ve already been sued or have a COJ filed?
+
We work with active litigation and post-judgment situations every day. The earlier
you call the more leverage we have, but it’s rarely too late. Our in-house
counsel will tell you in the first call exactly where you stand.
Do you charge anything up front?+
No. Zero. Our fee is performance-based and disclosed in writing before you sign
anything. If we don’t produce a workable result, you don’t pay.
Is this bankruptcy? Will I lose my business?
+
No. Restructuring under our model is an out-of-court process designed
specifically to keep the business open and running while we resolve
the debt. Bankruptcy is a last resort — we’ll tell you honestly if
it’s the right move, but for the vast majority of clients it’s not.
How fast can you start?+
Same day. If you call before 4pm ET, you’ll speak with a senior advisor before
close of business. Most clients have an executed plan in 5–7 days.
Free, confidential consultation
The cost of waiting is paid in daily ACH debits.
Tell us where you stand. A senior advisor will call you back within
4 business hours with a realistic read on your options —
no pressure, no obligation, no sales script.
