Understand the full picture
We review your commercial debt agreements, balances, payment history, and current business cash flow.
Merchant cash advance & commercial debt negotiation
Bring your business payments back into balance.
Saldo Vita helps business owners confront unmanageable commercial debt, including merchant cash advances, with a structured review, a realistic negotiation strategy, and clear communication throughout the process.
Every situation is different. Creditor participation and specific outcomes are not guaranteed.
A disciplined approach
Review. Strategy. Resolution.
- Your business reality
- Your commercial obligations
- A workable path forward
Business-focused debt negotiation
Transparent process and communication
Written review before acceptance
The Saldo Vita process
Clear steps. Careful decisions.
We begin with the facts, build a strategy, and keep you informed before any proposed resolution moves forward.
Build a realistic strategy
We identify priorities and develop a negotiation approach based on your business circumstances.
Negotiate and communicate
We communicate with business creditors and funders and work toward terms your business can realistically support.
Document the resolution
Any proposed resolution is reviewed with you before acceptance and documented in writing.
Built for commercial debt pressure
Solutions shaped around your business obligations.
Saldo Vita works with qualifying commercial debt, including Merchant Cash Advances, business loans, lines of credit, equipment financing, and other business obligations. We evaluate the agreements, payment structure, creditor demands, and operational pressure affecting your company.
This program may be a fit if:
- Commercial debt payments are straining day-to-day operations
- Multiple business obligations have become difficult to manage
- Your business needs a structured negotiation strategy
What we will request
Documents for a complete review
- All current commercial debt agreements and addenda
- Recent business bank statements
- Current payoff or balance statements
- Payment history and recent funder communications
- Any notices, demands, lawsuits, or court papers
- A current list of business income and essential expenses
Additional information may be requested depending on your accounts.
When legal support is appropriate
Negotiation services and legal representation stay clearly separated.
Saldo Vita is not a law firm and does not provide legal advice. If covered negotiation-related legal help is needed to expedite lender negotiations, Saldo Vita may arrange qualified independent counsel and pay covered fees from its operating account at no additional cost to the client, subject to a separate no-fee retainer and the agreed scope of representation.
Any attorney engaged this way represents only the client, owes professional duties only to the client, and exercises independent professional judgment. Saldo Vita does not direct or control that attorney's legal advice. The client may decline the arrangement or choose their own counsel.
Straight answers
Questions business owners ask first.
Understanding the limits and responsibilities of the process is as important as understanding its possibilities.
Can Saldo Vita guarantee a lower payment or settlement?
No. Results depend on the facts of each account, the funder’s willingness to negotiate, and the client’s ability to perform under any proposed terms. We do not guarantee outcomes.
Should I stop making debt payments?
Saldo Vita does not give blanket instructions to stop payments. Changes to payment activity can have serious consequences and should be evaluated based on your agreements and circumstances.
Is Saldo Vita a law firm?
No. Saldo Vita is a commercial debt negotiation company, not a law firm, and does not provide legal advice. When covered negotiation-related legal help is needed, qualified independent counsel may be arranged under a separate retainer. That counsel represents only the client.
What type of debt do you handle?
Saldo Vita works with qualifying commercial obligations, including Merchant Cash Advances, business loans, lines of credit, equipment financing, and other business debt. We review each situation individually to determine whether our services are a fit.
Guidance for business owners
Find help for your situation.
Merchant cash advance debt relief
Structured MCA debt relief for business owners: a written review of your merchant cash advance agreements and a realistic negotiation strategy with your funders.
Read more →Help with stacked merchant cash advances
Carrying two, three or more merchant cash advances at once? Learn how Saldo Vita builds a coordinated plan for stacked MCA debt.
Read more →Can't make your MCA payments? What to do first
Falling behind on merchant cash advance payments? Practical first steps for business owners, and what to avoid.
Read more →Your MCA funder is contacting your customers
If your MCA funder is sending notices to your customers or account debtors, learn how UCC rules generally work and how to respond.
Read more →Factor rate vs. APR: what your MCA really costs
How merchant cash advance factor rates work, how they compare with APR, and why short repayment terms make MCAs so expensive.
Read more →MCA cost calculator
Estimate the true annual cost of your advance.
Read more →Start with a clear conversation
Let’s review where your business stands.
Tell us a little about your business and your commercial debt. A member of our team will contact you to discuss your situation and the information needed for an initial review.