Resolve stacked MCAs with a tailored program.
Free 60-second assessment to find your fit. Settlement, restructure, or legal defense, coordinated end to end.
- Free 60-second assessment
- Free MCA calculators
- Pre-default and post-default
- Counsel in all 50 states
Slide to your approximate total across all advances. We'll tailor the call from here.
A modern path out, scoped to your situation.
Free assessment. Free calculators. Programs that match where you are.
From first call to resolution.
Free assessment
We review your contracts, your daily debits, and your cash flow. We tell you your effective APR and what is realistic for your situation. No commitment.
Program design
We propose a program tailored to your debt size, lender mix, and timeline. Settlement, restructure, defense, or a combination. Engagement terms and fees are reviewed and confirmed during your consultation.
Execution
We manage the negotiation with each lender, file legal defense where needed, and structure your payments. You get clear status weekly until resolution.
Resolution
Programs typically resolve in 6 to 18 months. You walk away with cash flow restored and a path back to bankable credit.
Built for stacked-MCA debt across these industries.
Each industry has a different shape of cash flow and a different mix of lenders. Our programs adapt to yours.
Stacked MCAs are not a shameful thing. They are a math problem with a clock on it.
I started TerraDebt because the relief category looks like 2018 and acts like it too. Scare tactics and a sales script that pitches before it listens. Owners deserve better than that.
Our model is built around fit, not a one-size pitch. We give every merchant free calculators on day one so the math is clear before any consultation. We work with owners before default, not just after a lawsuit lands. And when legal defense is required, we coordinate licensed attorneys in your state.
Before TerraDebt I worked at the intersection of small-business lending and operations. I have seen the inside of bad MCA contracts. I have watched what happens when a daily debit eats payroll. I built TerraDebt to be the firm I would have wanted on the other end of the phone.
If you have stacked MCAs, run our calculators first. Get your effective APR, total daily debit burden, and a quick health check. From there, we can talk programs.
Bar Elezra, Founder
Common questions
How long does the program take?+
Most programs run 8 to 16 months. Settlement programs typically resolve faster, restructure programs trail longer because terms are renegotiated rather than discounted. We give you a target timeline before you sign.
How does the fee structure work?+
The initial assessment is free, and the calculators are free with no email required. Program fees depend on your debt size, lender mix, and which path fits your situation. We walk through the full fee structure during your consultation, before you sign anything.
Will this hurt my credit?+
MCAs are commercial contracts and most do not report to consumer credit. Business credit can take a temporary hit during settlement, then rebuilds quickly once balances are resolved and cash flow is restored.
What if I am already in default?+
Default is common in our intake. We have programs designed specifically for post-default situations, including emergency legal defense for COJ filings, frozen accounts, and active litigation.
Can I add new MCAs during the program?+
We strongly discourage taking new MCAs while in a program. Stacking new advances on top of an active resolution undoes the work and signals bad faith to the lenders we are negotiating with.
How is TerraDebt different from settlement firms?+
Most settlement firms lean on a single tactic and pitch before they listen. We start with free calculators that surface your real numbers, scope a program to your specific situation across four distinct paths, and coordinate state-licensed attorneys in all 50 states when legal defense is needed.