At Value Capital Funding, we help small business owners break free from the weight of Merchant Cash Advances (often referred to as “MCA loans”) with fast, judgment-free support. With over 30 years of experience and over $100 million in business debt successfully refinanced or restructured, our family-run firm provides honest guidance, quick answers, and real results.
Reach out for a zero-obligation call — Our team responds within 24 hours and is here to help.
Use our quick MCA Debt Restructuring Calculator to get a personalized estimate— fast, private and totally judgment-free.
Just pop in a few details to see how we can help lighten the load.
Thousands of clients nationwide trust us to reduce high debt payments and find the best financial way forward. When your debt becomes impossible, we work with you to find the best solution.
Your Partner in Business Debt Relief
Get to know the people behind the process. In this short video, we introduce who we are, how we help, and why thousands of small business owners trust us to simplify high-cost MCA debt. Whether you’re looking to refinance, restructure, or just need honest guidance, we’re here to help you take back control—judgment-free, pressure-free, and with a plan that actually fits.
Whether you’re overwhelmed by daily repayments or simply falling behind, we step in with tailored support that matches your situation — no judgment, just a plan that works. Unlike most debt relief firms that offer a one-size-fits-all approach, our family-run company creates personalized plans to replace or reduce bad debt.
Based on your circumstances, we’ll help you find the best way forward, whether that’s refinancing or restructuring.
At Value Capital Funding, we work with you to find the right financial solution for your needs—whether that’s debt restructuring, refinancing, or helping you access low-cost FDIC bank financing. Our goal is simple: to help safeguard your financial future with clarity, care, and the right support.
We help qualifying clients access low-cost FDIC bank financing to support ongoing operational needs, making it easier to manage cash flow and keep your business moving forward.
If your business is feeling the pressure of high-cost MCA loans, our attorney-led team will work directly with creditors to negotiate a realistic, manageable payment plan that is affordable and works for you.
Debt refinancing — sometimes called debt consolidation — lets us replace your high-cost debt with a low-cost FDIC bank loan or line of credit. The result? A simpler, more manageable repayment plan that fits your business.
Most debt relief firms offer just one option. We do both — restructuring and refinancing — so you’re never forced down the wrong path. Every situation is unique, and we work with your reality to find the best possible outcome.
We’re a family-run firm. That means real conversations, honest advice, and support when you need it most. We pride ourselves on transparency, even when it’s hard to hear, because we know that there’s a viable solution.
You’ve already paid enough, and if you had the money to pay upfront fees, you wouldn’t need us. We’re not tone-deaf to that. That’s why any debt restructuring program fees are built into your new, dramatically lower payments.
From the first call to a signed agreement within 24 hours. When the pressure’s on, speed matters.
Whether you need to reduce debt payments, consolidate debt, or explore smarter funding options, we meet you in your financial reality — with honest support and clear solutions that work. Our team of financial and legal experts will guide you towards a clearer financial path. Every call is honest, supportive, and completely pressure-free.
We’ve helped thousands of business owners nationwide reduce their MCA debt payments by 50–75%, all with no upfront fees and zero judgment. Our expert guidance, speed, and efficiency mean you get support that works without wasting time or complicating the process.
We know debt doesn’t clock off — that’s why we’re here when you need us, with real support and prompt replies you can count on.
We’ve helped businesses in industries ranging from advertising and agribusiness to hospitality, security, and healthcare.
Don’t see your sector listed? Get in touch — we’re happy to help.
If you’re overwhelmed by missed payroll, mounting repayments, or cash flow pressure, you’ve come to the right place. At Value Capital Funding, we offer clear advice, fast action, and practical, flexible debt relief for business owners ready to take control.
From company debt consolidation to business debt management, we simplify complex options and help you choose what course of action is best for you, always keeping your long-term stability in mind.
With 90% of our clients qualifying for assistance, we make the process fast and stress-free — often going from first call to signed agreement in just 24 hours. No runaround. Just one less thing to lose sleep over.
Our dedicated team is trusted by small business owners nationwide. From local service providers to growing companies across a range of industries, businesses turn to us for reliable, results-driven support.
You’ve already done the hardest part by looking for support. If you’re ready, we’re here to talk — no pressure, no judgment. With over 30 years of experience, we’ve helped people in all kinds of situations, and we’ll help you, too.
Let’s work together to simplify your personal debt so you can breathe easier again.
