Lower your MCA payments and free up cash flow.
Stacked advances and relentless daily or weekly ACH debits can drain a healthy business. We negotiate directly with your MCA providers to restructure and settle qualifying balances — attorney-backed, with no new debt.
How much could you save?
Slide to your approximate total MCA balance for a rough illustration of what relief could look like.
Illustration only, based on average MCA terms and an estimated reduction. This is not a quote, offer, or guarantee. Actual results vary by case, and not all businesses or debts qualify.
Get my free reviewAre MCA payments strangling your business?
You're not alone. Thousands of business owners face these exact problems every single day.
Relentless ACH drains
Every day or week your account is hit before you can cover rent, supplies, or payroll. It never stops.
Stacked MCAs compounding
Each new advance takes a bigger bite. Multiple providers withdrawing at once leave you with almost nothing.
Can't make payroll
Your team depends on you. When MCA payments consume your revenue, the people who keep your business running suffer first.
Constant financial stress
Sleepless nights, checking your balance every morning, wondering if today is the day it all falls apart.
Threats of legal action
Providers escalate fast — confessions of judgment, UCC liens, and aggressive collection calls pile on pressure.
There's a way out
You don't have to face the funders alone. See how restructuring could ease the pressure.
How it works →A simple, transparent process
Four steps designed to get you relief as quickly as possible.
Tell us your situation
A free, no-obligation call to review your MCA agreements and what you're dealing with.
Talk to a specialist
A senior restructuring advisor reviews your case to confirm your business is a good fit.
We build your plan
We analyze your cash flow and create a restructuring strategy tailored to your business.
Get relief
Partner attorneys negotiate directly with your providers to restructure what you owe.
What we do for you
We are not a lender. We negotiate and advocate on your behalf to restructure MCA payments your business can't afford.
MCA payment restructuring
We work to bring your daily or weekly withdrawals down to amounts your business can actually sustain — so you can cover payroll, rent, and operations again.
Negotiation & settlement
Partner attorneys go directly to your providers to reach fair, realistic settlement terms that stop the bleeding.
Payment reduction strategy
We identify which advances cost you the most and build targeted strategies to reduce your total payment burden.
Cash flow protection
Beyond immediate relief, we help you build a plan to protect your cash flow and keep future MCA pressure from derailing your business.
To qualify, you generally need $20K or more in outstanding MCA debt.
MCA negotiation vs. the alternatives
| NMR Negotiation | Bankruptcy | Doing Nothing | |
|---|---|---|---|
| Impact on credit | Minimal | Severe damage | Worsens over time |
| Timeline | Weeks to start | 6–12+ months | Ongoing indefinitely |
| New debt added | None | Legal fees | Compounds |
| Payment relief | Yes — negotiated down | Eventually | No relief |
| Business stays open | Yes | At risk | At risk |
Real advocacy for your business
We don't add new debt. We fight to reduce what's already crushing your business — with a dedicated team behind every case.
Frequently asked questions
Straightforward answers to the questions we hear most.
What exactly does National Merchant Relief do?
How much can my payments be reduced?
Will this affect my credit?
Do I need a minimum amount of MCA debt?
Is my information kept confidential?
Can I keep running my business during the process?
Find out how much you could save
Have $20,000+ in MCAs, or two or more stacked advances? Get a free, confidential review — no obligation, and we're not a lender.
Thanks — you're all set.
A specialist will reach out about your free MCA review.