Manage MCA Debt Restructuring
Are you drowning in Merchant Cash Advance (MCA) debt? MCA Debt Restructuring can Help!
You can be saved!
If Merchant Cash Advances are tying up your business’s available cash flow, our team of experts can help you with MCA Debt Restructuring or settle your MCA debt so you can take back control of your business.
Please watch the video below to check out how our customized programs work
1. Consult
Our FREE consultation allows us to evaluate your situation, including your MCA Debt Restructuring needs. This way, we can learn more about you and your business so we can provide custom solutions.
2. Strategize
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.
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.
How do you know if Debt Restructuring & Settlement is right for your business?
- Is your cash flow restricted because of your current debt?
- Have you taken advances to pay for other advances?
- Are you in default/behind with payments or about to default?
- Did you ever consider filing bankruptcy due to your financial struggle?
- Are your personal bills mounting as a result of not being able to take a salary?
If you answered YES to any of these questions, then we should talk.
Small business owners come to us for help. Here’s why & what some of them have to say about us.
- They want to pay their creditors but can’t afford the payments.
- They’ve already attempted negotiating on their own without any permanent results.
- They can’t get any more financing.
- Their cash flow is tight.
- They can’t focus on their business and debt solutions at the same time.
- They need better payment plans on their existing debt.
Testimonials
It can be hard to get new loans to refinance debts especially in time of crisis. I was amazed with the capabilities of Barry and the fox at Value Capital Funding with restructuring existing debts to give business owners room to breathe. If your business is struggling with high-cost debt payments, then you’ve come to the right place.
– Tony Warde
“I feel completely satisfied with the attention I have received from Value Capital Funding. They are caring professionals who are also modest and humble. If you have a debt problem, take it from me, it will not fix itself. Call these guys.
– Robert Mellor
Immediate Relief – Quick, knowledgeable and hand holding every step of the way. I was on the verge of closing my business because I didn’t believe there was help in site. Along came VCF and in days, immediate relief! Contact them today if your back is up against the wall with your business finances.
– Rainbow Charlotte
“If your business has been using cash advances for financing, go see the team at Value Capital. They relieved our day-to-day stress by helping us reduce our payments by more than half. I highly recommend them.’
– Irvin
Enjoyed working with the team at Value Capital. The process was easy, quick, and transparent. Plus, now we’ll get the breathing room we need by cutting our debt payments by more than over 50% by restructuring our debt. If you have high-cost debt that’s choking your business, we recommend calling the team at Value Capital today!
– Fermented Tea Co.
Best decision for the business!
After doing a ton of research that led me to Barry at Value, I decided this was the move to make. Barry was very knowledgeable and put all my questions and concerns to bed. This was a matter of life and death for our rapidly growing business. I could not be more pleased with my Decision to enlist Value Cap Funding to assist with Debt. This brought life back to the business and ended the endless Merchant funding hole we had gotten in trying to wait for traditional lending. This sped that process up by months.
– Derik Stotland
Value Capital Funding responded swiftly in assisting me with my hardship. They are highly professional and motivated to assist. They have an amazing team in place to ensure a smooth and efficient process. They also have legal representation in place which makes their program even more powerful and balanced when dealing with the difficulties of negotiating debt which leaves the client stress free. Value Capital Funding is definitely the best choice for assistance with overwhelming debt and financial hardship. Do yourself and your stress level a favor and give them a call. I’m glad I did.
– Dalali LLC
Meet your team.
Our team has restructured/settled millions in MCA debt, including MCA Debt Restructuring, and we’re here to help you take back control of your business.
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.
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.
Ferne Kornfeld
Principal & Business Debt Consultant
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.
Payment Analysts
Their main focus is working to make clients’ restructured MCA debt payments affordable and sustainable throughout their program duration.
Case Managers
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.
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.
Frequently Asked Questions
Here’s a list of some of the most common questions we hear on a regular basis.
MCA Debt Restructuring involves renegotiating the terms of existing merchant cash advances to make repayments immediately more manageable, often by extending repayment periods, and reducing the cost of this expensive financing. It is a legal transaction, involving legal negotiations and changing your existing MCA contract terms. Accordingly, MCA debt restructuring is best done by MCA debt attorneys, who specialize in this niche.
Potential downsides include legal complexities and the risk of damaging relationships with creditors. If the risk outweighs the rewards you’ll realize, then we will discuss why and supply you with other strategies and tactics to pursue vs. using our professional MCA debt restructuring services.
Benefits are immediately realized: lower repayments (up to 75% lower), extended repayment terms, and at least a 25% reduction of your total debt balance all lead to immediate improvement in cash flow which leads to peace of mind, less stress and a happier you.
As an example, a new client recently engaged our services with $100k of outstanding MCA balances, and approx. $4,000 per week in associated repayments. We were able to cut their weekly repayment to $1,000/week, which is a $3,000 weekly improvement to cash flow, without adding any new debt. In addition, the total payback now is less than $72,000 – saving over $28,000 (28%) off the original debt balance. That reduced payback number already includes any program fees.
If you are in or near default, you need to do something. The MCA companies won’t just let you keep the money. Start by evaluating your financial standing, business goals, and long-term viability to determine if restructuring is a suitable option. If you can pay your MCA debts as originally agreed, then you should. It’s when you can’t pay as agreed, that debt restructuring is the path to pursue. In the case where you see trouble coming, it is always in your best interest to reach out for professional help sooner, rather than later.
There are no upfront or hidden fees for this service. Typically, your payments will be reduced by 50% to 75%, and you will save 25% or more off your total debt balance, inclusive of program fees. We understand that reaching out for help can be daunting but consider the significant savings and improved payment terms that MCA debt restructuring offers. This service provides exceptional value, which is why we named our company Value Capital Funding—to deliver great value in resolving challenging financial situations.
Importantly, MCA debt is typically not structured as a loan, it’s an ‘advance’. Therefore, MCA transactions are credit neutral – having no positive or negative affect on your personal credit scores. Remember, MCAs are not loans, so they don’t report to FICO. 99.9% of MCAs also don’t report to business credit bureaus either – Experian, Equifax, or Dun & Bradstreet. An MCA debt restructuring transaction is confidential – between the MCA company, represented by an attorney, and the attorney assigned to your file – and not reported publicly to any of the bureaus.
It is a quick process, but much depends on you. If it’s a front burner issue for you, then it is for us as well. We are built for speed since many with MCA payment issues have daily repayments. First, we’ll speak over the phone, then collect a few documents from you to assess your current debt. That all happens same day. We’ll then have you on the phone with one of our payment analysts who will present you with a written proposal tailored to your situation and using your real-time details in the documents you submit to us. That call will not be a sales call. It is informative and will lay out your options. If you want to move forward, you can sign that written proposal to secure our team’s services. We’ll also outline how we’ll negotiate with your lenders. Whether you work with us or not, we cannot overstate the importance of using attorney-led professional assistance in navigating this process. To be clear, the MCA niche is highly specialized, and you should only work with a team who has proven that competency repeatedly. In other words, this is the wrong time to have your general business attorney try his/her luck in dealing with your business’s MCA repayment problems. Or worse yet, it’s the absolute wrong time to give yourself a haircut and try going it alone. It’s your business you are fighting for.
Value Capital Funding
Don’t let your debt control your business or your life. Consider MCA Debt Restructuring Today.
Contact us today for a free consultation and let us help you take the first step towards financial freedom.
* 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.
