Mon13%
Funder A $875 Funder C $340
The daily-debit trap
The debits eat every deposit before you can use it
The ACH hits every morning — sometimes from three or four funders at once. By the time payroll and vendors are covered, there's nothing left from the day's sales.
Weekly cash drain mapSample
ACH pulls before operating cash$6,765
Tue12%
Funder A $875
Wed36%
Funder A $875 Funder B $1,400
Thu11%
Funder A $875
Fri15%
Funder A $875 Funder D $650
The debit comes first
Daily or weekly ACH pulls hit before payroll, inventory, or vendors. You end up working for the funder, not the business.
The stacking spiral
A 2nd, 3rd, or 4th advance taken just to service the 1st. Each one buys a few days and deepens the trap.
The math was built to fail
Factor rates of 1.1–1.5 mean you repay $110k–$150k on a $100k advance. It's the structure crushing the business — not the business.
One review · two routes
The right plan depends on your numbers — not a script
An attorney-led review reads your actual position first — your debits, balances, and revenue — then points you to one of two routes: restructure the balances or defend the business.
Diagnostic routerLive model
Restructure
RecommendedUse attorney-backed negotiation to reduce and re-term the active stack.
Legal Defense
Respond through law-firm partners when funders escalate collections.
Map the funder stack and model a restructured cadence.
Restructure
Overleveraged — daily payments are choking cash flow
Attorney-backed negotiation to reduce outstanding balances and rebuild a payment schedule your revenue can actually support.
40–60% reduction (range)2–6 months
Legal Defense
Facing lawsuits, confessions of judgment, or asset seizure
Full litigation defense through independent law-firm partners — built to preserve the business.
COJ & UCC defenseBusiness preservation
Your stack, in one view
See exactly what every advance takes each week
One clean map of each funder — cadence, payment, and weekly drag — so the debits eating your deposits stop being a guess.
Attorney-backed reviewEstimated ranges only
Prefer to talk it through? Speak with a debt specialist now.
MCA weekly pressure mapWeekly impact
Total modeled weekly burden$8,125
Cadence mix2 daily / 2 weekly
Largest dragFunder A
- Funder ADaily cadence · $875 payment$4,37554% of pressureLargest dragReview this first
- Funder CDaily cadence · $340 payment$1,70021% of pressureStackedModeled weekly equivalent
- Funder BWeekly cadence · $1,400 payment$1,40017% of pressureRenewal riskModeled weekly equivalent
- Funder DWeekly cadence · $650 payment$6508% of pressureLow balanceModeled weekly equivalent
Daily payments are normalized into one weekly view so every cadence can be compared cleanly.
How it works
You run the numbers. Your attorney runs the funders.
A structured, attorney-backed path in five steps: you start with your own exposure model, then a dedicated attorney takes over daily funder contact — usually within 24 to 48 hours.
Review workflowAnalysis → attorney → negotiation → new termsStructured
1
Run your numbers — free
Start with the calculator for an estimated exposure model — balances, funders, cadence, and weekly burden in minutes.
2
Your free stack analysis — within minutes
A specialist maps your full MCA stack: every funder, factor rate, and stacking pressure point.
3
Your attorney takes over funder contact - within 48 hours
A dedicated attorney from a law-firm partner takes over funder contact, so the daily pressure runs through counsel, not you.
4
Attorney-led negotiation
We negotiate toward reduced balances - typically a 40-60% range.
5
A payment you can plan around
The goal is payments sized to what the business can actually carry, with a path back toward traditional financing over time.
Representative owner cases
When the math finally matches what your account actually feels like
Anonymized profiles of stacked owners we've reviewed, across the industries where MCA pressure hits hardest — each showing the stacking order we mapped and the restructured weekly position we walked through together.
RestaurantsRetail & e-commerceConstructionHealthcareTruckingSalon & beauty
Human reviewModels are checked against real agreements.Ranges, not guarantees
Auto repair · 4 fundersHigh
“I had four daily payments hitting before I could even see the morning deposits. The breakdown was the first time it was all on one page.”
Restaurant group · 3 fundersMedium
“They never promised a number. They showed me a range and exactly how they got there, then walked the funders with me.”
Contractor · 5 fundersHigh
“The math finally matched what my account actually felt like. That clarity is what let me make a decision.”
Why this is different
Attorney-backed. You stay in control.
Unlike a settlement call center, licensed attorneys negotiate the MCAs you already have.
Restructuring success rate93%
MCA debt restructured$100M+
Businesses served1,000+
Combined leadership50+ yrs
What we are
- Attorney-backed MCA negotiation — not a call center
- MCA-specific — factor rates, stacking, UCC liens, COJ clauses
- Cash-flow protection and restructuring — we reduce existing debt, not add new
What we are not
- A bankruptcy firm — we offer private alternatives, no public record
- A call-center settlement shop — funders engage with our attorneys
- A loan-consolidation company — we don't pile on new debt
Straight answers
The questions every stacked owner asks first
Credit, lawsuits, bankruptcy, and timing — answered plainly, including the trade-offs, in ranges instead of promises.