Wherever you are with your MCAs, you have options.

The earlier you act, the more we can do — but we take cases at every stage. Reach us anytime, 24/7.

Struggling to keep up

You're making the payments but they're eating your business alive — or you know next month you can't. No lawsuit yet. This is the best time to act: we review your agreements, enforce the payment reductions you're already entitled to, and restructure your debt before it ever becomes a legal fight.

You've been served a lawsuit

You still have real leverage. This is when contracts get challenged, restructured, or wiped out entirely. Do not ignore it — silence is exactly what moves you to the next stage.

You received arbitration paperwork

Because there was no response to the lawsuit, the MCA company invoked the arbitration clause in your agreement and is asking a court to confirm an award against you. There is a deadline. Miss it, and this becomes a judgment.

There's a judgment against you

They can now go after your bank accounts and receivables. It's not over — judgments can be challenged and negotiated — but every day narrows your options.

Most business owners wait until Stage 3 or 4 to get help. The ones who call at Stage 1 or 2 save the most money — and the most sleep.

THE DIFFERENCE, BY THE NUMBERS

See what your MCA balance is really costing you.

Your MCA Balance $1,000,000

$50K $5M

Factor Rate 1.49

1.20 1.60

MCA Term 7 mo

3 mo 18 mo

Months Already Paid 0 mo

0 mo 6 mo

You've already paid $0 over 0 mo 7 mo and $1,490,000 left on your MCA

REMAINING ON YOUR MCA (1.49 FACTOR, 7 mo LEFT)

$212,857/mo

for 7 mo more

Remaining to pay $1,490,000

DEBT SETTLEMENT with ESCROW · 10 MO (on $1,490,000 remaining)

$119,200/mo

for 10 months

Total paid $1,192,000

MCA DOCTORS · 6 MO (on $1,490,000 remaining)

$49,667/mo

for 6 months

Total paid $298,000

THEN — MONTHS 18 TO 24

Settle the balance on your terms.

OPTION 1 · LUMP SUM

$745,000

50% of the balance, paid up front

Pay it off at month 18 for as low as 50¢ on the dollar and close the matter out.

OPTION 2 · 6 MORE MONTHS

$161,417/mo

60–70% of the balance over months 18–24

Six monthly payments totaling $968,500 if you'd rather keep cash working in the business.

Example only. Payment amounts, timelines, and outcomes depend on your specific MCA agreements, revenue, and case facts. In some cases the agreement is voided and the debt eliminated entirely.

Want these numbers for your actual MCA balance? Book a consultation and we'll review your real agreements.

Book a Consultation

MCA DOCTORS

Prior results do not guarantee a similar outcome.