Get up to 60% off your stacked MCA debt.
Settlement and restructure programs for businesses stacked on merchant cash advances. Most programs resolve in 6 to 18 months.
- Pause damaging daily debits
- Negotiate balances down 40-60% on settlements
- Restructure terms when settlement is not the right path
- Coordinated counsel in all 50 states for legal defense
Slide to your approximate total across all advances. We'll tailor the call from here.
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Keep your business open while you resolve the debt.
Cash flow first.
Daily MCA debits pause via formal reconciliation, often within 2 to 4 weeks of starting. The cash that was leaving your account stays with the business.
Resolve in 6 to 18 months.
Most settlement programs close inside a year. Restructure programs run 12 to 18 months with a single monthly payment instead of daily debits.
Real attorney coordination.
When COJ filings, account freezes, or active litigation are in play, we coordinate licensed counsel in your state within 72 hours.
Real industries. Specific numbers.
Selected case studies from our active program book. Outcomes vary by lender mix, contract terms, and default status.
From first call to resolution.
Free, confidential consultation
We review your contracts, your daily debit total, and your cash flow. We tell you your effective APR and what is realistic for your situation.
Program design
We propose a program tailored to your debt size, lender mix, and timeline. Settlement, restructure, defense, or a combination. Engagement terms are reviewed and confirmed in your consultation.
Execution and resolution
We pause debits, negotiate with each lender in parallel, file legal defense where needed, and structure your payments. You get clear weekly status until the last lender closes.
Real merchants. Specific situations.
“Four MCAs, $3,200 a day in debits, and a reverse consolidation firm trying to charge me $25K upfront. TerraDebt told me my real APR before they pitched me anything. That alone was the difference.”
“I had stopped opening the lender emails. They explained the math, paused the debits, and built a single payment plan I could actually run my kitchen against.”
“They knew what a progress payment cycle looks like and built a program around it. Other firms wanted me on a settlement track that would have killed my bonding capacity.”
“Ad spend cycle was getting eaten by daily debits. Settled three MCAs in 8 months at 44 cents. We are scaling again without stacking new advances.”
“They walked me through every contract before any pitch. The free calculators were a game changer for getting clarity. I felt informed the whole way through.”
“Got hit with a COJ in New York while I'm operating in Florida. They had counsel in both states on the call within 36 hours.”
Get out from under stacked MCAs.
Free assessment. No commitment. Tell us your debt amount, get a tailored read on your options, and decide from there.
Disclosure. TerraDebt is a trade name of GRL Recovery LLC. We are not a law firm and do not provide legal advice. When legal defense is required, we coordinate licensed attorneys in your state. Outcomes vary based on lender mix, contract terms, default status, and other factors. The savings ranges shown reflect a representative band of prior results and are not a guarantee of future outcomes. Programs typically resolve in 6 to 18 months. Settlement may impact your business credit profile.