Value capital funding

Discover a better way to manage your small or medium-sized business (SMB) through SMB refinancing. Value Capital Funding can help you swap expensive debt for more affordable financing options. Our custom solutions use FDIC Bank Term Loans and FDIC Bank Lines of Credit, giving SMBs the opportunity to improve their financial situation.

With a focus on reducing costs, improving cash flow, and securing better terms, our SMB refinancing options empower businesses to thrive. As industry experts, we cater to a diverse range of sectors, ensuring that your unique needs are met.

Unlock the potential of SMB refinancing and propel your business toward growth, stability, and success.

Empower Your Business Growth: SMB Refinancing Solutions

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Embark on a journey to boost your small or medium-sized business (SMB) with Value Capital Funding’s refinancing solutions. Our experts leverage the power of FDIC Bank Term Loans and FDIC Lines of Credit to help your business lower its overall cost of financing.


SMB refinancing replaces costly debt with cost-effective FDIC Bank financing, enhancing your business’s financial standing. Witness the magic of redirecting saved funds into fueling growth and expansion.

Imagine this: Just like homeowners refinance their mortgages to save money, you can do the same for your business. Suppose you had a 7% fixed-rate home mortgage, and a few years later, the new rate dropped to 5%. By refinancing, you could go from 7% to 5%, saving 2% each year. Our SMB refinancing works similarly, replacing high-cost debts with lower-cost FDIC Bank financing. This means you can redirect the saved funds into other areas of your business.

By optimizing your cash flow, you pave the way for a brighter, more prosperous future. Elevate your business to its highest potential with our expert-led SMB refinancing solutions and take control of your financial destiny.

Please click the video below to learn more.

Optimize Cash Flow: SMB Refinancing Benefits

Elevate your business’s potential with optimized cash flow through Value Capital Funding’s transformative SMB refinancing benefits. The core principle is simple: by replacing expensive debt with lower-cost FDIC Bank financing, your financial landscape naturally improves.

This strategic approach leads to substantial savings, promoting improved financial stability and growth. Think of it as a continual annual pocketing of potential. Capitalize on this opportunity to optimize your cash flow, reduce costs, and fortify your business’s financial foundation.

Unleash the true potential of your enterprise by tapping into the strategic advantages of SMB refinancing and securing a brighter, more prosperous future.

Streamlined Finances: Simplifying SMB Refinancing

Industries We Serve: Tailored SMB Refinancing

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Transform Your Debt: Unlocking SMB Refinancing Insights

Secure Your Future with SMB Refinancing with FDIC Bank Financing from Value Capital Funding!

Two Paths – Two Solutions – Which One Is Right For You?

Explore the world of MCA debt consolidation and regain control of your business finances. With Value Capital Funding’s expertise, you can simplify your debt structure and pave the way for a brighter financial future.

Our MCA debt consolidation solutions offer lower payments and extended repayment terms, making it easier to manage your obligations and improve cash flow.

Say goodbye to the complexities of multiple payments and embrace the simplicity and savings that come with MCA debt consolidation. Discover how we can help you streamline your debt and set your business on a path to success.

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Consolidate MCA Debt With FDIC Bank Refinancing

Navigate a clear path to financial stability and renewal through the art of MCA debt consolidation with the support of FDIC Bank Financing. This strategic solution leverages the potency of FDIC Bank Term Loans and FDIC Lines of Credit, offering you the means to consolidate numerous Merchant Cash Advances (MCAs) into a solitary, manageable monthly payment.

Say goodbye to the complexities of managing multiple financial commitments and embrace the seamless simplicity of a consolidated approach.

Unlock savings with lower bank interest rates and extended payment terms of up to 10 years.

With interest rates spanning from Prime (8.50%) to 15.99% APR, FDIC Term Loans & Lines of Credit provide a secure and reliable foundation for the consolidation of your Merchant Cash Advances. This pathway is designed to offer you the flexibility needed to tailor your repayment schedule according to the unique rhythm of your business.

The advantage of extended repayment is not just in managing your current burdens; it’s about charting a course toward sustained financial resilience and growth. By embracing FDIC Bank Financing, you’re not only simplifying your debt structure but also setting the stage for a more secure financial future by lowering your cost of capital.

Consolidate MCA Debt With Debt Restructuring

MCA Debt Restructuring is another way to consolidate your onerous Merchant Cash Advance debt.

This program is designed to help businesses dramatically reduce their daily/weekly payments, extend their repayment terms, and consolidate their debt into a single, more manageable payment.


1. Consult

Our FREE consultation allows us to evaluate your situation. This way, we can learn more about you and your business so we can provide custom solutions.


2. Strategize

All businesses and situations are unique which is why we don’t believe in a one size fits all strategy. Our team will thoroughly analyze your business structure and discuss with you what payment levels are affordable for you. We will then customize a sustainable plan that fits your needs. You can reasonably expect to see your payments drop an average of 50% – 75% immediately.

3. Negotiate

The legal team assigned to your case will work with your MCA providers to restructure or settle your debt*. They will ensure that all agreements and settlements are legally binding and enforceable, providing you with peace of mind and protection.


4. Implement

Once the plan is in place, we will work closely with you to implement the new payment structure and ensure that all parties are satisfied with the new terms. We will also provide ongoing support to ensure that your payments remain manageable and that your business is able to thrive.


5. Monitor

We will closely monitor your progress and provide regular updates on your debt status. We will also work with you to identify any potential issues that may arise and take steps to address them.

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6. Exit

Once your debt is fully paid off, we will work with you to ensure a smooth exit from the program. We will provide you with all the necessary tools and resources to help you continue to manage your cashflow and ensure that your business remains successful in the long-term.

Benefits of MCA Debt Restructuring

How MCA Debt Restructuring Works?

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If you answered YES to any of these questions, then we should talk.

Please take just 3 minutes to watch this explainer video to see how you can reduce your debt payments by 50% – 75% in just days.
Why not call us now at 561-288–4510 or

Small business owners come to us for help. Here’s why & what some of them have to say about us.


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Meet your team.

Our team has restructured/settled millions in MCA debt and we’re here to help you take back control of your business.

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Jeff Kornfeld

Principal & Business Debt Consultant

Jeff is one of the 3 principals here at Value Capital Funding, a family-owned and operated business since 2018.

Jeff comes from a numbers crunching background having spent much of his career in the mortgage and insurance industries.

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Barry Kornfeld

Principal & Business Debt Consultant

Barry is another principal here at Value Capital Funding and Jeff’s brother as well.

Barry has extensive experience in the financial & debt fields going all the way back to his career start in the mid 80’s as a business credit analyst for a large regional bank in Virginia.

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Ferne Kornfeld

Principal & Business Debt Consultant

Ferne is the 3rd principal here at Value Capital Funding as well as Barry’s wife and Jeff’s sister-in-law. Ferne heads the loan processing department and ISO relations.

She started out in the marketing & advertising field, took a 5-yr. hiatus from business to raise her 2 boys, and re-entered the workforce to work in the insurance & finance industry.
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Payment Analysts

All payment analysts have extensive knowledge of the business debt field & come from a variety of backgrounds including banking, accounting, and personal debt resolution.

Their main focus is working to make clients’ restructured MCA debt payments affordable and sustainable throughout their program duration.
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Case Managers

Each client is assigned a case manager who will handle their day-to-day client communication and who will be responsible for updating the client as their restructuring negotiations progress.

The case manager is also the point of contact regarding any & all communication going directly from the funders to the client.

They are here to “manage the day-to-day processing of your case”. Their primary function is to make this process as effortless & painless as possible for you.
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Your Legal Team

Upon signing on for our debt restructuring program, your case will be carefully assessed, and your legal team assigned.

Your legal team will be made up of experienced attorneys who specialize in merchant cash advance relief and have a deep understanding of the laws and regulations surrounding debt restructuring.

They are experts in negotiation and have a proven track record of successfully restructuring and settling merchant cash advance debt for our clients.

Value Capital Funding

Contact us today at 800-944-6280 to embark on your journey toward financial freedom and explore the boundless potential of MCA debt consolidation with Value Capital Funding by your side.

* Value Capital Funding is not a law firm. We work with specialty law firms as part of our process. As such, nothing on this website is to be considered legal advice. Also, while the debt restructuring results shown on this website are typical, they cannot be guaranteed in advance. Each scenario is different, which is why we encourage you to talk with us about your own unique situation. If an MCA problem is plaguing your business, time is not your friend and it’s most often in your own best interest to act sooner, rather than later.


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