After your first contact with Value Capital Funding (VCF) about merchant cash advance (MCA) debt relief, there are five stages:
- Free consultation
- Financial review
- Strategy decision (refinancing vs restructuring)
- Negotiation or underwriting, depending on the path chosen
- Your new payment structure.
This guide covers the process, step by step, so you know exactly what to expect.
If you are not sure how urgent your situation is before you even book that first call, our free MCA Health Check is a quick self-assessment that gives you a rough read on where your business stands, from stable to critical, before you speak to anyone.
Step 1: Free Consultation
The process starts with a free, no-obligation consultation. On this call, we will ask about your current MCA obligations, how many advances you are carrying, and how urgent your cash flow situation is. Nothing is decided on this first call; its purpose is to understand your situation well enough to know what to review next. By the end of the call, you will know whether it makes sense to move to a financial review, and there is no obligation to continue if it does not.
Business owners going through this for the first time are often bracing for a hard sell. That is not how our consultations work.
“Value Capital Funding was a breath of fresh air when dealing with overwhelming MCA payments. Their team was responsive and quick. Highly recommend the no pressure approach and true transparency.” — Joe D.
Step 2: Financial Review
If you want to move forward after the consultation, the next step is a financial review. We look at your payment history, your revenue, and your credit profile, the same factors that determine which path fits your business.
You can get ahead on this step using our 3-Step Foundation Checklist. This free download lists exactly what to gather beforehand: recent bank statements, current MCA contracts, a completed debt schedule, and your most recent business tax return, so the financial review moves faster once you are ready to start.
If you want a sense of the numbers before this step, use our free MCA Debt Calculator for a confidential, personalized estimate of how much you could save.
Step 3: Refinancing or Restructuring
Once we have reviewed your numbers, we will determine which path is best: refinancing into a bank or bank-style Term Loan, or attorney-led restructuring of your existing MCA contracts. Every business qualifies for one of these two paths, based on its numbers, rather than both at the same time.
This is not a separate application. It is a direct read of the same financial review from Step 2. If your numbers support standard bank underwriting, refinancing moves forward. If they do not, for example, if you have already fallen behind on payments or are carrying several stacked advances, we move to attorney-led restructuring instead.
For the full breakdown of how that decision gets made, see Why VCF Tries Refinancing First.
Step 4: Negotiation or Underwriting
What happens next depends on which path applies to your business.
If refinancing is the fit, your application moves into standard bank underwriting. Pre-approvals typically come back in three to four business days, followed by closing once the lender’s conditions are met.
If restructuring is the right fit, the attorneys we work with begin communicating directly with your MCA lenders on your behalf to negotiate reduced payments and terms. Straightforward cases can see a signed agreement within 24 hours, though cases with several stacked advances typically take longer.
Step 5: Your New Payment Structure
Once underwriting or negotiation is complete, your new payment structure takes effect. For refinancing, that means one predictable monthly payment at a bank-level rate in place of daily or weekly MCA withdrawals. For restructuring, that means a lower, less frequent payment negotiated directly with your MCA lenders, with our fee already built in rather than charged upfront.
This is also the point at which your existing MCA lenders are paid off or brought into the new agreement, so your old obligations do not continue to run alongside your new payment structure.
From there, a relationship manager stays in touch to ensure the new structure is working as expected and to answer questions if anything in your situation changes.
The Process at a Glance
Here is the same five-step process at a glance, with typical timeframes for each.
| Step | What Happens | Typical Timeframe |
|---|---|---|
| 1. Free Consultation | We discuss your MCA obligations and situation | One call, no obligation |
| 2. Financial Review | We’ll review your payment history, revenue, and credit | Varies by how quickly documents are provided |
| 3. Strategy Decision | We’ll decide whether refinancing or restructuring is the best fit | Determined during the same review |
| 4. Negotiation or Underwriting | Bank underwriting, or attorney-led negotiation with lenders | Three to four business days for refinancing pre-approval; as little as 24 hours for straightforward restructuring cases |
| 5. New Payment Structure | Your new monthly or weekly payment takes effect | Varies by lender terms or negotiation outcome. |
“I found VCF to be highly professional and informative with an easy to follow step by step process. The results were amazing and very fast.” — Mike C.
Start the Process to MCA Debt Relief
At Value Capital Funding, we have an experienced team, ready to learn about your situation, discuss your options, and answer your questions, with no pressure and no judgment. Take the first step to debt relief by scheduling your free, no-obligation call today.
FAQs
That depends on which path applies to your business. Refinancing typically goes through bank underwriting in three to four business days for pre-approval, followed by closing. Restructuring can move faster on paper; straightforward cases can see a signed agreement within 24 hours, though cases with several stacked advances usually take longer.
The fastest way to see the full list is VCF’s free 3-Step Foundation Checklist. In short, you will need recent business bank statements, your current MCA contracts, a completed debt schedule, a valid photo ID, and your most recent federal business tax return. An accounts receivable aging report may also be requested if it applies to your business.
No. A consultation or financial review does not change your current MCA payments by itself. Your existing obligations continue as normal until a new refinancing loan closes or a restructuring agreement with your MCA lenders is in place.
No, not on its own. A free consultation or financial review does not trigger any change to your current MCA payments or your credit. Your credit profile only becomes relevant when you pursue refinancing, and even then, it is reviewed alongside your cash flow and business history rather than in isolation. For more on how credit factors into refinancing eligibility, see Are You Eligible to Refinance Your MCA Debt?
No. Both are optional. The consultation does not require either one, but completing them beforehand, especially the 3-Step Foundation Checklist, can make your financial review move faster once you are ready to start it.
VCF and, where applicable, the attorneys we work with put your new payment structure into effect: your refinancing loan funds and your MCA stack are paid off, or your restructuring agreement replaces your current payments with the new negotiated terms. A relationship manager stays in touch afterward to confirm everything is running as expected.
