TerraDebtGet assessment
Retail

MCA Relief for Retail Businesses

Inventory ties up cash before sell-through happens. MCAs do not wait. We negotiate terms that respect the cycle.

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$310K
Average MCA debt resolved
46%
Typical savings
12 months
Average program length

Common pain points we solve

  • • Inventory cash locked up for 60 to 120 days while MCAs debit daily
  • • Thin gross margins leaving nothing for a slow week
  • • Vendor terms tightening at the same time MCAs stack
  • • Seasonal inventory builds with no matched cash flow

FAQ for Retail

Will vendors still extend terms during the program?
Often yes. Vendor relationships are usually preserved because we focus on the MCAs, not the trade.
What about my merchant processor?
We coordinate with the processor so daily settlement continues normally while MCA debits are paused or restructured.