Comprehensive complete business debt services.
Our provider partners offer a suite of financial relief solutions designed to help companies of all sizes optimize their debt profile, improve cash flow, and protect business continuity. All services are tailored to each client's financial business situation.
MCA Alleviation places six categories of business debt for review: merchant cash advances, business credit cards, lines of credit, unsecured term loans, equipment financing, and commercial financing obligations. The initial review is free and tailored to each client's specific structure.
Six obligation types we place for review.
Each service has a dedicated review pathway and provider network. Click a service for the detailed approach.
- i Merchant Cash Advance Restructuring Single-position MCA workout, remittance schedule renegotiation, factor rate review, and consolidation strategy.
- ii Stacked MCA Resolution For operators with multiple active MCA positions. Coordinated multi-funder strategy with provider network.
- iii Business Credit Card Workout Hardship-program placement, balance validation review, and lump-sum settlement coordination across multiple issuers.
- iv Business Line of Credit Restructuring Operating lines under repayment pressure. Schedule renegotiation, term extension, and settlement-pathway evaluation.
- v Equipment Financing Relief Renegotiation of equipment-backed obligations, balloon-payment restructuring, and term length adjustments.
- vi Unsecured Term Loan Restructuring Modification placement for unsecured business loans where modified terms could restore liquidity.
Business debt restructuring.
Our provider partners' approach focuses on negotiating with creditors to lower obligations, simplify payment schedules, and give businesses more breathing room. This allows you to focus on revenue generation, team performance, and operational goals rather than day-to-day creditor engagement.
- Renegotiation of remittance schedules
- Reduction of effective remittance amount where supported
- Consolidation review across multiple positions
- Term extension and balloon-payment restructuring for equipment financing
- Modification of unsecured loan and credit-line terms
- Receivable cycle is misaligned with current payment cadence
- One or more obligations are workable with modified terms
- Business has continuing revenue capacity
- Lender or funder is open to negotiation before default
Debt management for small and growing companies.
Small businesses often juggle multiple secured and unsecured debts that hinder growth. We help identify restructuring paths that reduce monthly burdens and preserve capital for stability and growth.
We have experience assisting companies across a variety of sectors:
Not certain which service applies? That is what the first conversation is for.
Many engagements involve more than one obligation type at once. We map the entire debt structure first, then sequence the placements that make sense for your business.
MCA Alleviation
2398 E. Camelback Rd
Phoenix, AZ 85016