You Have MCA Debt.
You Have Options.
Daily and weekly MCA payments can create significant pressure on an otherwise viable business. MYMCAOPTIONS helps business owners understand the potential paths available for addressing existing merchant cash advance obligations — from refinancing and buyout strategies for qualified businesses to payment restructuring, workouts, settlement and other resolution strategies.
The appropriate path depends on the business.
Where Are You Right Now?
Your available options depend on where your business stands today.
Understand Your MCA Options
There is no single solution for every business carrying MCA debt.
MCA Buyout / Refinance
Potentially replacing MCA obligations with more appropriate financing for businesses that meet underwriting requirements.
SBA / Longer-Term Financing
Education about circumstances where qualified businesses may be able to refinance short-duration obligations into longer-duration financing.
Payment Modification / Restructuring
Strategies designed to address immediate payment pressure and improve cash-flow stability.
Business Debt Restructuring / Workout
A broader review of existing obligations and potential workout strategies.
MCA Settlement
Education regarding negotiated resolution strategies, including that settlement has risks and is not appropriate for every business.
MCA Consolidation
Understanding the difference between true refinancing/consolidation and simply adding another MCA position.
Default / Lawsuit Support
Information for businesses experiencing default, collection activity or litigation.
UCC Lien Support
Education regarding UCC filings and how they can affect a business.
Not every MCA problem requires the same solution.
Refinance Before Restructure
Some businesses may still qualify for a financing exit.
Businesses with stronger profiles may warrant evaluation:
- Personal and business credit
- Profitability
- Revenue
- Bank deposits
- Time in business
- Cash flow
- Financial statements
May warrant evaluation for:
- MCA buyout
- Business term financing
- SBA financing
- Conventional financing
- Other appropriate longer-duration capital
Qualification is not guaranteed.
Not every business carrying MCA debt will qualify for refinancing. For businesses that do not qualify for a financing exit, other restructuring or resolution strategies may warrant consideration.
When More Financing Isn't the Answer
For some businesses, adding another obligation is not the right path.
Businesses experiencing the following may need to evaluate restructuring, workout, modification or settlement strategies rather than adding another obligation:
- Excessive payment burden
- Multiple stacked MCAs
- Repeated NSFs
- Payment defaults
- Negative cash flow
- Active litigation
- Severe overleveraging
The right strategy starts with understanding the numbers.
Before taking another advance, understand your existing capital structure.
Another MCA is not always the answer. Understanding your obligations and options helps you make an informed decision.
Understand the MCA Before You Decide What to Do Next
Knowledge is the first step toward an informed decision.
MCA Health Check
Understand where your business stands. This tool provides objective calculations only — no recommendations or guarantees.
Your MCA Situation
Total Weekly Payment
$2,000
Weekly + (Daily × 5)
Estimated Monthly Payment
$8,660
Weekly × 4.33
Payment Burden: High
28.9%
Monthly payment / Monthly revenue
This snapshot is for educational purposes only and does not constitute financial advice, a qualification determination, or a guarantee of any outcome.
How MYMCAOPTIONS Works
An educational, human-led approach to understanding your options.
Tell Us What's Happening
Provide information about your business, existing MCA obligations and current payment burden.
We Review the Capital Structure
We organize the existing obligations, payment burden, financial condition and business objectives.
Understand the Available Paths
Depending on the circumstances, potential paths may include refinancing, buyout, restructuring, modification, workout, settlement or other strategies.
Discuss the Next Step
A human consultant reviews the situation with the business owner.
Which Path Does What?
Understanding the goal and considerations of each path helps you have an informed conversation.
Refinance / Buyout
Goal
Replace existing obligations with more appropriate financing.
Generally requires stronger underwriting qualifications.
Restructure / Workout
Goal
Address payment pressure and reorganize existing obligations.
Designed to improve cash-flow stability without adding new debt.
Settlement
Goal
Seek negotiated resolution of enrolled obligations.
May involve significant financial, legal, credit and business considerations.
Default / Legal Support
Goal
Help business owners understand available responses when matters have escalated.
Educational guidance on responding to collection activity, liens and litigation.
This comparison is educational only. No path is labeled "best" — the appropriate path depends on the business.
Before You Take Another MCA...
Another MCA is not always the answer. Ask yourself:
Understand your obligations. Understand your options. Make an informed decision.
Common Questions
Get answers to frequently asked questions about understanding your MCA options.
You Have MCA Debt. You Have Options.
The right strategy starts with understanding the numbers. Find out which paths may warrant consideration for your business.