Most MCA debt relief companies will tell you that they get results. Fewer will show you the arithmetic. This page sets out what Value Capital Funding has done since 2018, what our published client outcomes actually look like, and where the figures come from.
The Numbers
| Value Capital Funding by the numbers | |
|---|---|
| MCA debt relief delivered | $150 million+ |
| Businesses helped | 1,500+ |
| Operating since | 2018 |
| Typical payment reduction, restructuring | 60-70% |
| Typical payment reduction, refinancing | 65-85% |
| Google review rating | 4.9 from 151 reviews |
| Upfront fees | $0 |
Figures accurate as of September 16th, 2026. Review count and rating are live and will vary.
What Typical Outcomes Look Like
Restructuring renegotiates the terms of your existing advances and typically reduces payments by 60-70%. Refinancing replaces them entirely with a bank facility and, where a business qualifies, typically reduces payments by 65-85%. Refinancing delivers more, which is why it’s assessed first, but it depends on the business meeting a bank’s underwriting requirements.
Individual results vary, and no outcome can be guaranteed in advance. Every business has a different debt position, revenue picture, and funder mix, which is why the assessment is completed on a case-by-case basis, starting with a free consultation to understand your situation.
Real Client Outcomes
A healthcare business carrying three advances. Janice, a nurse practitioner providing in-home care to seniors, held $256,348 across three MCAs and was paying $1,881 a day, or $9,405 a week. Restructuring brought that to $3,767 a week, a 60% reduction, and removed the daily payments entirely. It also cut $77,422 from her total balance, 30% of what she owed, with our program fees already included in that figure.
A pet spa with a single large position. Joe was carrying $93,590 and paying $3,115 per week. The restructured plan brought him to $1,265 per week over 52 weeks, a 60% reduction, saving close to $28,000 compared to the original balance.
““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. I wish we would have found Value Capital Funding sooner!” — Mike C.
A packaging company, 30 years in business. Troy held $352,000 in MCA debt, with payments exceeding $10,000 per week. Restructuring reduced that to $3,170 a week and consolidated the daily drain into a single weekly payment.
A manufacturer who qualified for refinancing. An Arizona manufacturing business was paying $22,763 a month across three advances. It qualified for an FDIC-backed bank refinance on a 10-year term, replacing those payments with a single monthly payment of $2,152 and freeing up $20,611 a month.
Industries We Work With
MCA debt isn’t confined to one sector. We’ve worked with businesses across dozens of industries, including plenty that don’t fit neatly into a category. The 19 with dedicated pages are just the ones we’ve written about so far, among them construction, trucking, healthcare, staffing, retail, hospitality, food service, auto repair, dental, and salons. Don’t hesitate to contact us for free advice, whatever sector you work in.
What Sits Behind the Numbers
Value Capital Funding is a family-run firm, founded in 2018 by three principals with more than 30 years each in financial services, operating nationwide from Boca Raton, Florida.
Every client works with a payment analyst responsible for making the restructured plan sustainable, a case manager handling day-to-day communication and all incoming contact from funders, and a legal team. Meeting your attorney happens before enrollment, rather than after a lawsuit, so you understand the strategy and the protections in place from the start.
For more on how we’re structured and what separates us from restructuring-only providers, see MCA Debt Relief Companies: How They Compare.
Reviews and Fees
- 4.9 out of 5 across 151 Google reviews.
- Trustindex Top Rated certificate, awarded on a verified review score above 4.5 across the preceding 12 months.
- $0 upfront, with no enrollment fee.
- Everything in writing before you commit, including your projected payment, projected relief, and fee.
See What Your Numbers Look Like
Aggregate figures only tell you so much. Your own position is what matters, including what you’re carrying, what’s leaving the account each week, and which route is realistically open to you.
Our MCA Debt Calculator gives you an estimate in a few minutes, and a specialist can review your situation at no cost and with no obligation.
FAQs
Our debt relief total and client numbers come from our own records. The review rating and count come from Google and are verified by Trustindex. The individual outcomes are taken from published client case studies, each linking to the full write-up.
The ranges shown are typical of what clients see, and the three restructuring cases sit inside them. Individual outcomes vary in both directions, and the refinancing case exceeded the typical range, which happens but shouldn’t be assumed.
The totals are accurate as of the date shown above. The review rating and count are live and will change over time.
Not currently. Outcomes depend far more on a business’s debt position, revenue, and funder mix than on its sector, so we assess on a case-by-case basis rather than by industry.
Unfortunately, we do not keep stats by industry
