We help replace or restructure MCA debt so your payments become manageable again, often bringing payment burdens down into a range that’s roughly 60–70% lower with restructuring and 65–85% lower with refinancing.
We know what it’s like when heavy MCA repayments pull down a business. If that sounds familiar, some options may help.
MCA Debt Relief Fees: No Upfront Costs, Only Pay When We Deliver Real Savings
Why Work With Us for MCA Debt Relief?
At Value Capital Funding, we offer two clear paths to MCA debt relief: refinancing and attorney-led restructuring.
Most MCA relief providers can only offer restructuring and settlements, but at Value Capital Funding, we can refinance MCA debt with an FDIC bank or bank-style term loan where the business qualifies, or shift to attorney-led MCA debt restructuring if that’s a better fit.
These options give struggling businesses a real chance to stabilize cash flow and protect their future.
What clients often value most:
- No enrollment fees
- No surprises
- Every client sees their proposed fee and new payment schedule in writing before they decide.
- Each of our consultants has more than 30 years of experience in this industry.
- We are a family-run business serving small businesses nationwide from our base in Boca Raton, Florida.
Typical relief ranges:
As a rough estimate, most of our clients see 65–85% lower monthly debt service with refinancing and 60–70% lower weekly MCA payments with restructuring.
We can guarantee:
- No upfront fees, ever.
- Each of our consultants has more than 30 years of experience in this industry
- We are a warm and caring family-run business that serves small businesses nationwide from our base in Boca Raton, Florida.
Our MCA Debt Relief Options
Let’s explore two options to help get businesses back to good financial health.
MCA Debt Refinancing: Swapping for Bank‑Style Term Loan
If your business qualifies, refinancing is usually the cleanest way out of MCA debt.
We help you swap high‑cost MCA debt for a regulated FDIC bank or bank‑style term loan. The principal stays the same, but the payment structure and cost change drastically.
65-85%
lower total cost of carrying MCA debt
How Does Our MCA Refinancing Work?
With our MCA debt refinancing program, you would be approved for a bank or bank‑style term loan, and you would receive the full amount in your bank account at closing.
After funding, we invoice a one‑time success fee, expressed as a percentage or “points,” which you typically pay from the new loan proceeds. That’s on a sliding scale based on the loan size; however, quite low compared to MCA closing costs/origination fees.
There are no enrollment fees and no out‑of‑pocket costs before funding. Even after accounting for this one‑time success fee and the lender’s APR, most clients see their total cost of carrying that debt fall into a range that’s roughly 65–85% lower than what they were paying to maintain a similar MCA stack.
Example
If you’re sending about $10,000 per week to MCA lenders (around $40,000 per month), refinancing might bring that down to something closer to $10,000 per month. That business would now be saving $30,000 per month in valuable cash flow that was otherwise being shelled out to support their MCA stack. It’s a true game changer for any qualifying business.
Clients often see:
- Dramatically lower monthly payments, dropping into a range that’s around 65–85% lower than what they were previously paying.
- Longer terms.
- An APR businesses can work with.
How Our Fee Works for MCA Debt Refinancing
- Success-based, one-time fee billed after funding.
- Typically paid from loan proceeds.
- No enrollment fees.
- No out-of-pocket costs before funding.
Key Insight: Our fee isn’t rolled into the loan balance, and it’s never charged upfront out of your existing cash.
MCA Debt Restructuring: Attorney‑Led and Pay‑as-You-Go
If you’re already drowning in MCA debt repayments and can’t qualify for refinancing, restructuring is built for immediate relief.
In our attorney‑led MCA debt restructuring program, most clients see their total weekly MCA payment burden brought down to a level that’s often around 60–70% lower than before. Your new weekly payment into the program already includes our fee, so even after it’s built in, you’re still sending far less cash out each week than you were to MCA lenders.
60-70%
lower weekly payment burden
Example
If you’re currently sending about $10,000 every week to MCA providers, a typical outcome might bring that down to $3,000–$4,000 per week. That new payment already includes our fee, so you keep roughly $6,000–$7,000 more in weekly cash flow to run your business… or to restart your own salary!
How Our Fee Works for MCA Debt Restructuring
- No upfront fees
- Pay‑go structure
- Our fee is built into your new lower weekly payment, inclusive of our fee from day one, and is fully disclosed and explained in a written, no-obligation proposal.
- Even after our fee, your weekly cash‑flow burden is often around 60–70% lower than before.
Pricing for Our MCA Debt Relief Services
Every client is different, and so are each of our fees. That’s because every solution is customized to the client’s situation.
We do, however, show every client their exact proposed payment, projected relief, and fee in writing before they decide; with no pressure, no obligation, and no enrollment fee.
If the numbers don’t make sense, we don’t expect you to move forward. Our role is to give you clear options, not to push you into a bad decision. Our simple theory: If we give you good information, you’re likely to make the best decision you can for you, your business, and your family.
Ready to live a life with less financial pressure? Talk to us today.
A Deeper Look Into Our MCA Debt Services
What’s the Difference Between MCA Debt Refinancing and Restructuring?
What Is MCA Debt Refinancing?
We help you swap high‑cost MCA debt for a regulated bank‑style term loan. The principal is the same, but the monthly payments typically drop into a range that’s about 65–85% lower than what you were paying on the MCA stack. Our fee is a one‑time, success‑based fee billed after funding and usually paid from the loan proceeds — never charged upfront out of your existing cash.
What Is MCA Debt Restructuring?
Our attorney‑led MCA debt restructuring program focuses on immediate weekly relief. We negotiate lower daily and weekly payments and consolidate multiple debits, often bringing total MCA payment obligations down by around 60–70%. You pay as you go, with our fee built into your new lower weekly payment, so even after our fee, your overall cash flow improves right away.
Examples of How MCA Debt Relief Works
We have helped over 1,100 businesses reduce their MCA repayments, so we know the impact MCA debt relief services can have. Below are some examples of what that kind of relief could look like:
Client A
$23,000/wk → $8,000/wk
Weekly MCA payments over $23,000 were strangling the business. Our attorney‑led restructuring reduced those payments to about $8,000 per week, freeing up more than $15,000 in cash flow each week. Their new payment already included our fee, and no new loans were added.
Client B
Draining Daily Debits → $3,500/wk
Daily and weekly MCA debits were draining cash flow. After restructuring, total weekly payments dropped to around $3,500, freeing up nearly $9,000 weekly. Again, this new, lower payment already had our fee built in.
Client C
$36,000 Debt → Manageable Payment
A residential construction business owner had around $36,000 in MCA debt with weekly payments just over $1,000. Restructuring reduced his payments to a much more manageable level without new loans or upfront costs, easing severe cash‑flow pressure and giving him room to rebuild.
MCA Debt Relief FAQs
Do you ever charge upfront fees?
No, we will never enforce enrollment fees; Value Capital Funding’s fee will always either be:
- A one‑time, success‑based fee invoiced after closing for MCA debt refinancing, usually paid from the new loan proceeds.
- Built into your new lower weekly payment for MCA debt restructuring, with no upfront fee.
How much will I pay for MCA debt relief services?
Our fees are tailored to your situation and structured to give your business the best chance of regaining financial stability. We show every client their exact proposed payment, projected relief, and fee in writing before they decide.
How will I review my fee?
You will receive a written proposal showing the new payment, relief, and fee before you decide if it is the right fit for you. This will never come with any pressure or sense of obligation.
What if I don’t qualify for MCA refinancing?
If you do not qualify for refinancing, then MCA debt relief through restructuring could be the next avenue to explore. As always, there will be no upfront fees for this.
Will my MCA repayments really be around 60–70% lower after debt relief?
Actual results vary, but many clients see their weekly payment burden fall to a level that’s often around 60–70% lower with restructuring, and their monthly debt service falls to a level that’s often around 65–85% lower with refinancing. Your actual relief depends on your MCA balances, cash flow, and overall situation.
Why doesn’t Value Capital Funding publish a standard fee schedule?
Every business we help is different. The right solution and, therefore, the fee depend on factors such as existing MCA obligations, cash flow, and whether refinancing or attorney-led restructuring is the best fit for the situation. Rather than publishing a standard fee schedule that may not reflect your circumstances, we provide every client with a written proposal outlining the recommended solution, projected payment, and associated fees before any commitment is made. If the numbers don’t make sense for your business, there’s no obligation to move forward.
Ready to Live a Life With Less Financial Pressure?
Talk to us today. No enrollment fees, no pressure, no obligation.