Use our free calculator for a quick, confidential estimate of lower repayments and weekly savings.
Select the option that fits — this helps us match you with the right attorney-led team.
Estimates are fine — this is private and completely judgment-free.
Enter whichever apply — daily, weekly, or both.
Based on VCF's 30+ years of MCA restructuring experience — and our commitment to putting your interests first, every step of the way.
* Estimates reflect typical VCF payment restructuring outcomes. Individual results vary.
A specialist will personally call you within a few business hours — just 5–10 minutes, zero obligation, zero upfront fees.
Enter your current MCA debt details to estimate how much you could improve your cash flow and reduce payments by. Have multiple MCAs? No problem, just combine all balances and payments below.
Our MCA debt calculator takes less than 60 seconds. There’s no credit check, and it’s 100% confidential.
Struggling with high-cost MCA debt and not sure where to start? Our quick, confidential Cash Advance Calculator gives you a personalized estimate in minutes. Any time, day or night.
Benefits of using our MCA debt relief calculator:
Whether you’re managing multiple MCAs or one expensive advance, this tool helps you understand your options without pressure or judgment. It’s your first step toward clarity, confidence, and lasting relief.
In a climate where every dollar counts, restructuring MCA repayments can make a huge difference to a company’s bottom line. Working with Value Capital Funding can lead to a significant reduction in MCA repayments, meaning lower daily or weekly outgoings and improved cash flow.
Our MCA debt relief services are designed to reduce payments by 60% – 70% instantly. Final terms depend on specific agreements, and figures shown below are estimates based on typical restructuring scenarios.
These estimated savings could be the first steps towards a brighter financial situation for your business. The next steps are to get in touch with our debt relief experts, let them analyze your MCA agreements, and create a tailored plan to reduce payments. After that, you can look forward to lower repayments and improved cash flow.
Reducing MCA debt is what we do. With more than 30 years of experience in helping businesses get a grasp on their loan repayments, you’re in safe hands. There are a few different ways that we can help, depending on your unique circumstances. They are:
With restructuring, our debt experts are negotiating better terms and extending timelines with your lenders to ease financial pressure.
This option combines multiple MCA loans into a single, structured monthly repayment, typically through a new, lower-interest loan from an FDIC-insured bank.
This option replaces high-cost MCA payments with one affordable FDIC Bank Term Loan. This simplifies your repayment, lowers your overall cost, and creates healthier cash flow.
No matter which of the different types of MCA debt relief is best for your business, there will never be upfront fees, and a fast turnaround is guaranteed.
Janice’s MCA Restructuring Example
Janice owned a healthcare business and took out three Merchant Cash Advances totaling $256,348 over two months to help with cash flow. But instead of helping her business, the daily payments became too much to handle.
Before
After
Janice came to Value Capital Funding because her MCA payments were overwhelming. We restructured her three MCAs, lowered her weekly payments from $9,405 to $3,767, and reduced her total debt by $77,422, helping her keep her business running.
Start the journey towards a healthier financial future for your business with a free consultation with Value Capital Funding.
| Item | Before | After |
|---|---|---|
| Weekly payments | $9,405 | $3,767 |
| Daily payments | $1,881 | None |
| Total debt | $256,348 | $178,926 |
| Savings | — | $77,422 |
| Payment reduction | — | 60% |
Our team is trusted by business owners across the country, from family-run operations to fast-growing companies in industries like construction, healthcare, retail, automotive, and more. We offer tailored refinancing assistance and cash advance debt relief solutions that work, helping businesses regain control of their finances and move forward with confidence.
Thousands of clients nationwide trust us to reduce high debt payments by 60% – 70% and find the best financial way forward. When your debt becomes impossible, we work with you to find the best solution.
At Value Capital Funding, we help business owners reduce payments by up to 60% – 70%, lower their total debt, and regain financial stability quickly. Now it’s time for real support, zero pressure, and a plan that’s built around your business. Take the next step towards better finances today.
Our savings calculator provides an estimate based on the information you provide, so the results are helpful for planning but should not be taken as a final quote. Your actual payment reduction depends on your MCA balance, your current repayment terms, and the lender’s cooperation.
Find out what your final savings would look like through a free consultation.
Broadly speaking, we aim to reduce payments by 50-75%. Every business has unique circumstances, but many achieve significant payment relief when they restructure or refinance MCA debt. As above, the exact repayment reduction depends on current daily or weekly withdrawals, revenue, and the ability to renegotiate.
Yes, MCA debt restructuring can be legitimate when it is handled transparently and through a real financial or legal process. A legitimate program should clearly explain its strategy, fees, and expected outcomes, without making unrealistic guarantees.
Read our ultimate guide to MCA restructuring here.
Value Capital Funding helps reduce financial pressure from MCA debt through restructuring, refinancing, and consolidation solutions. This could mean replacing daily MCA withdrawals with a more manageable repayment plan or negotiating better terms for the business.
Value Capital Funding says it offers MCA debt relief with no upfront fees. Business owners should always review the agreement carefully and make sure they understand the fee structure before moving forward.
We know how time-critical these situations can be, so after a consultation, we aim to lower payments in as little as 24 hours. However, some refinancing options may move quickly, while restructuring or negotiation can take longer if multiple lenders are involved.
You may qualify if your MCA payments are hurting cash flow, your business is still operating, and you need a better repayment structure. The best way to know for sure is to book a free consultation and let our experts find out more about your situation.
Sometimes, yes, but not always. Lender cooperation depends on the facts of the case, the amount owed, and the proposed solution.
Multiple MCAs can make cash flow problems much worse, but they can often still be addressed through restructuring or consolidation. In these cases, the goal is usually to reduce the overall payment burden and simplify repayment so the business can keep operating.