The MCA relief firm we wished existed.
TerraDebt brings modern tools and disciplined execution to a category stuck in 2018.
Stacked MCAs are a math problem with a clock on it.
Most owners we talk to did not stack four MCAs because they wanted to. They stacked because diesel costs spiked, an employee left, a piece of equipment broke, or a client paid 90 days late. And once the daily debits started, every new MCA looked like the only option.
The relief category that exists to help these owners is mostly stuck in 2018. It charges retainers up front, hides its fee in legal hours, scares owners with worst-case language, and pitches before it listens. The brands that do publish reviews are the ones with the loudest PR machines, not necessarily the best outcomes.
TerraDebt was built around a different default. We give merchants free calculators on day one so the math is clear before any consultation. We work with owners before they default, not just after a lawsuit lands. And when legal defense is required, we coordinate licensed attorneys in the merchant's state instead of pretending we are one.
Four things that set us apart.
Free calculators, day one.
Every merchant gets free calculators with no email required. You see your effective APR, your daily debit burden, and a program fit before any consultation. We do not gate the math behind a sales call.
Pre-default, not just post-lawsuit.
Most relief firms only engage once an owner is sued or has frozen accounts. We work with owners who are still current on stacked MCAs. The earlier we engage, the more options stay on the table.
Honest math, not a sales pitch.
Run our APR calculator, stack calculator, and health check before any conversation. The numbers are on your side of the table from the start, not gated behind a discovery call.
Real attorneys, real states.
When legal defense is needed, we coordinate licensed counsel in the merchant's state, not a generic referral. We are not pretending to be a law firm. We work with them.
Set expectations, plainly.
We are not a law firm. We coordinate licensed attorneys in your state when legal defense is required. We are not authorized to give legal advice on our own.
We are not a debt settlement service in the consumer sense. MCA debt is commercial debt. Our programs are different from credit-card-style debt settlement and the rules that govern them are different.
We do not guarantee specific savings or specific outcomes. Real numbers depend on your lender mix, your contract terms, your business cash flow, and how the lenders respond. We will tell you what is realistic for your situation up front, and then we will execute against it.
We are not a quick fix. Most programs run 6 to 18 months. The quick fix industry that promises 30 day resolutions is the same one that often makes the situation worse.