Don't let stacked MCAs run your cash flow.
We restructure, settle, or defend merchant cash advance debt with programs scoped to your specific situation. Free assessment, free calculators, and licensed counsel in all 50 states.
MCA debt relief, defined.
MCA debt relief is the structured process of restoring cash flow to a business that has stacked one or more merchant cash advances. It is not a single product. It is a set of tools (restructure, settlement, legal defense, and program management) chosen to fit the merchant's situation.
Our work has three primary outcomes. We pause damaging daily debits, reduce or restructure the underlying debt, and rebuild a path to bankable credit. The exact mix depends on whether you are still current, whether legal action has been taken, and what your lender mix looks like.
- RestructureRenegotiate terms and daily debits with each lender, without settling.
- SettleNegotiate a discounted lump sum payoff per lender, typically 40 to 60 percent.
- DefendCoordinate licensed counsel when COJ filings, account freezes, or lawsuits are in play.
Real outcomes. Real industries. Real numbers.
Every case study on this site is published with the specific industry, debt amount, percent saved, and timeline. We do not run inflated dollar counters.
See case studiesHow MCA payment restructuring works.
When you are still current and want to preserve lender relationships, restructure is the right path. We renegotiate the daily debit and term with each lender, without settling.
Financial analysis
We collect every active MCA contract, map your daily debit total, and calculate effective APR per advance. This produces a clear picture of which advances are choking cash flow most and which lenders have the most flexibility.
Lender outreach
We initiate formal communication with each MCA holder. For lenders we have worked with before, we use existing channels. For new ones, we open a documented dialogue that protects you legally.
Negotiated terms
We secure extended terms, lower daily debits, or modified payment structures per lender. The result is a single, manageable monthly schedule that fits your actual cash flow rather than the lender's ideal.
A relief firm built around the merchant, not the close.
Most relief firms quote you a percentage of savings without explaining how their program actually works. We give you free calculators that surface effective APR and stack burden, walk you through the math during your assessment, and only build a program that fits your specific situation. We coordinate licensed attorneys in your state when legal defense is needed, instead of pretending we are one.
- Free 60-second assessment
- Free MCA calculators
- Pre-default and post-default programs
- Counsel in 50 states
How MCA debt settlement works.
When restructure is not enough, settlement reduces the principal owed. We negotiate a discounted payoff with each lender, typically 40 to 60 percent of the balance.
Build the settlement fund
Daily debits pause through formal reconciliation. The cash that was leaving your accounts now accrues into a TerraDebt-managed escrow. This builds the leverage we need to settle quickly when lenders are ready.
Prepare the offer per lender
We audit every contract for stacking violations, jurisdictional issues, and procedural defects. The audit shapes the offer. A lender who funded after a documented stacking restriction is in a different negotiating position than one who did not.
Negotiate in parallel
We engage every lender at once, not sequentially. Parallel negotiation protects you from a single lender holding out for full payment while others are willing to settle.
Pay and resolve
Settlements close on a per-lender basis. As each one closes, we disburse from escrow and document the resolution. By the end of the program, every original advance is closed.
Is MCA relief right for your business?
Most merchants we work with check at least two of these boxes. If any of them describe your situation, the assessment is worth the call.
Free assessment, no commitment.
Tell us your situation in 60 seconds. We will review the contracts, calculate effective APR, and tell you what is realistic for your business. If we are not the right fit, we will say so.
Slide to your approximate total across all advances. We'll tailor the call from here.
Disclosure. TerraDebt is not a law firm and does not provide legal advice. When legal defense is required, we coordinate licensed attorneys in your state. We do not guarantee specific savings or specific outcomes. Real results depend on your lender mix, contract terms, business cash flow, and how lenders respond. Programs typically run 6 to 18 months. Settlement may impact your business credit profile. Past results referenced in our case studies do not predict future outcomes.