Resources
Guides and resources
Understand the terms in your agreements and the options in front of you.
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 →The MCA reconciliation clause, explained
What a merchant cash advance reconciliation clause is, how it can adjust your payments when sales fall, and how to request a reconciliation.
Read more →How MCA debt negotiation works, step by step
A step-by-step look at how merchant cash advance negotiation works, what documents you need and how long it may take.
Read more →Your options when business debt becomes unmanageable
An honest comparison of options for business owners with unmanageable MCA and commercial debt: negotiation, refinancing, legal defense and bankruptcy.
Read more →MCA cost calculator
Estimate the true annual cost of a merchant cash advance and how much of your revenue goes to MCA payments.
Read more →Let’s review where your business stands.
Every situation is different. Creditor participation and specific outcomes are not guaranteed.