Are Daily MCA Payments Hurting Your Business?

Learn how our program can ease your daily payment burden and put you back in control.

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Results Driven

We use proven strategies to reduce payments, improve cash flow, and help your business regain stability.

30-60% Savings

Save 30-60% on payments as we negotiate better terms, ease cash flow, and give your business the financial room it needs.

Legal Protection

Safeguard your business with compliant solutions that shield you from aggressive collection tactics and legal risks.

How it Works

What is MCA Debt Restructuring?

Merchant Cash Advance (MCA) debt restructuring is a tailored solution designed to help businesses manage the burden of high-cost, daily repayment obligations tied to MCAs. This process involves renegotiating the terms of your MCA agreements to reduce payments, improve cash flow, and create financial stability for your business. By restructuring your MCA debt, you gain more control over your finances, enabling you to focus on what matters most—growing your business.

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Free Consultation

We start with a no-obligation consultation to understand your unique situation, including your business needs, cash flow, and MCA obligations.

Customized Debt Plan

Our experts develop a personalized plan to negotiate better terms with your creditors, helping to reduce payments and improve cash flow.

Creditor Negotiation

We handle all communication with your creditors, negotiating on your behalf to lower your debt obligations or restructure the repayment terms.

Regain Control

Once the debt is restructured, your business will enjoy improved cash flow and reduced financial stress, allowing you to focus on growth.

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Benefits

What Our Clients Get

From cash flow relief to expert support and peace of mind—so you can focus on what matters most.

Immediate Cash Flow

Reduce daily payments to manageable weekly terms, giving your business the breathing room it needs to operate and grow.

Peace of Mind

Our legal and financial experts handle negotiations and paperwork, so you can focus on running your business stress-free.

A New Start

Resolve overwhelming MCA debt and break free from financial stress, giving your business the fresh start it needs to thrive.

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Our Results

Why Choose Us

With a 93.7% settlement success rate and over $100M in MCA debt saved, we’ve helped hundreds of businesses regain financial stability and peace of mind. Our proven strategies reduce payment obligations, restore cash flow, and ensure long-term results. Whether you’re struggling to manage daily payments or looking for relief, our expert team will guide you every step of the way.

Settlement Success​
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MCA Debt Saved​
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Testimonials

What Our Clients Are Saying

See how we’ve made a difference for businesses like yours. These testimonials highlight the trust and results our clients have experienced.

My experience with your company have been uplifting and so helpful. Through the advice and the direction of everyone involved in my financial issues has been aboveboard to say the very least. The relief was almost instant. I operate a small automotive repair shop and overhead can get overwhelming at times and I allowed myself to be swindled into believing the fast talking brokers with MCA companies. Needless to say, I got in over my head and couldn’t manage anymore of the high weekly drafts and my operating costs were affected along with cash flow. Your company helped get that in order very quickly and I will recommend your services to anyone I know that needs this kind of help. I can now focus on more important issues such as ministry and family. Thank you for the help and direction.

David. C

I like to give a big thanks to Juan for helping me save my business and saving me a lot of money. The MCA I acquired had me over my head and the payments were going to put me out of business. With the service they provided End MCA Payments was able to get everything back on track. I’ll be able to save money in my business again and be able to go out and provide for my family. I just want to say thank you from the bottom of my heart with all sincerity.

Wesley C.

Thank you so much for reaching out and making this process so easy and so much better for our company. Truly a lifesaver!

Keri S.

I like to give a big thanks to Juan for helping me save my business and saving me a lot of money. The MCA I acquired had me over my head and the payments were going to put me out of business. With the service they provided End MCA Payments was able to get everything back on track. I’ll be able to save money in my business again and be able to go out and provide for my family. I just want to say thank you from the bottom of my heart with all sincerity.

Wesley C.

FAQs

Your Questions, Answered

Before enrolling, clients often ask about our process, benefits, and what to expect. Here are the answers to help you take the next step confidently.

A Merchant Cash Advance (MCA) is a financial arrangement where a business receives an upfront sum of money in exchange for a percentage of its future revenue. Unlike traditional loans, MCAs are not regulated as loans and are instead categorized as revenue purchase agreements.

While MCAs can provide quick access to funds, they come with high fees, daily or weekly repayment schedules, and no fixed end date. The lack of regulation allows MCA providers to set terms that may become difficult for businesses to manage, leading many to experience cash flow issues and financial strain.

What sets End MCA Payments apart is our commitment to delivering solutions that work specifically for your business. We know that no two businesses are the same, and that’s why we tailor every strategy to meet your unique needs, goals, and challenges.

Unlike other companies, we don’t just aim to settle your debt—we provide you with the knowledge and tools to improve your business’s financial health. Our approach combines a deep understanding of MCA agreements with legal insights to protect your interests while maximizing your savings.

We take pride in being not just a service provider but a partner you can rely on. Our mission is to empower you with options and clarity, so you can make informed decisions that align with the long-term growth of your business.

Our payment structure is performance-based, meaning we only get paid when we successfully negotiate with your funders. This ensures our goals align with yours—we’re committed to achieving the best possible outcome for your business.

Our success fee is tied to a portion of the solution we negotiate. We target unpaid fees and remaining balances. By aligning our compensation with results, we make sure you’re never paying for empty promises—only real, measurable progress.

Due to the classification of Merchant Cash Advances (MCAs) as revenue purchase agreements rather than loans, MCA funders typically do not report to personal or business credit bureaus. This means that entering our program usually does not impact your credit score.

However, if you’ve signed a personal guarantee as part of your MCA agreement, there may be potential credit implications. In such cases, our team will carefully review your agreements and counsel you on the best course of action to minimize any negative effects. Protecting your financial standing is always a top priority for us.

Having a lien or judgment doesn’t prevent you from enrolling in our program, and it’s something we’re experienced in handling. Liens and judgments are common with Merchant Cash Advance (MCA) agreements, especially if payments become difficult to maintain. Our team works directly with funders and legal entities to address these issues as part of the negotiation process.

We’ll carefully review your agreements and financial situation to create a strategy that includes resolving any liens or judgments against your business. Our priority is to help you regain control of your finances while minimizing legal and financial risks. Every case is unique, so our approach will be tailored to achieve the best possible outcome for your specific circumstances.

Our mission is to be a guiding light for businesses navigating the stormy waters of Merchant Cash Advance (MCA) debt. We understand that many businesses that turn to MCAs often feel overleveraged, overwhelmed, and unsure of their options. Our goal is to provide these businesses with the clarity, tools, and strategies they need to regain financial control.

Through our tailored programs, we aim to educate business owners about the legal actions available to relieve cash flow pressures and resolve MCA debt. By partnering with us, you’re not just getting a service—you’re gaining a trusted ally dedicated to helping your business succeed, even in the toughest financial storms.

We understand that trust is essential when choosing a partner to help with your business’s financial future. Our proven track record includes successfully helping hundreds of businesses reduce their daily payment burdens, restore cash flow, and regain stability.

We operate from two offices in Manhattan, NY, and Davie, FL, with a dedicated team of in-house attorneys and financial specialists who are experts in debt laws and MCA negotiations. With years of experience and successful outcomes, we’ve developed strong relationships with many MCA funders. We know what to expect from each, allowing us to approach every case with insight and strategy tailored to your unique situation.

Transparency is at the core of everything we do. From your initial consultation to the resolution of your debt, we keep you informed every step of the way. Our 93.7% settlement success rate and over $100M saved for businesses reflect our commitment to delivering results.

Clients typically save 30-60% overall throughout our program. In addition to these long-term savings, you’ll experience immediate relief on your daily payments by converting them into reduced weekly payments. This adjustment helps ease cash flow pressure while we negotiate with your funders on your behalf.

However, the exact amount you’ll save depends on your funder and your current financial situation. Every case is unique, which is why starting with a free consultation is so important. During this initial step, we assess your circumstances and provide you with clear expectations before you enroll, ensuring you understand the potential savings and benefits tailored to your business.

Yes, once you’ve completed the program, you are free to apply for another Merchant Cash Advance (MCA). However, our goal is to equip you with the financial stability and cash flow needed to reduce reliance on MCAs in the future. While MCAs can provide quick funding, they often come with high costs and repayment terms that strain businesses.

If you find yourself considering another MCA after completing the program, our team is available to guide you. We can help assess your financial position and explore alternatives that may be more sustainable and beneficial for your business in the long term.

Yes, we can help remove a UCC (Uniform Commercial Code) filing from your business as part of our program. UCC liens are often filed by MCA funders to secure their interest in your business assets until the debt is fully repaid. These filings can hinder your ability to secure future funding or establish vendor relationships.

As we negotiate with your funders to resolve your MCA debt, part of the process involves working to have the UCC lien released. Once the debt is settled, we ensure the proper steps are taken to file for the lien’s removal. This allows your business to move forward without the restrictions and limitations that come with an active UCC filing.

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You Don't Have to Go Through this Alone.

Let us guide you toward a solution that eases your burden and helps your business thrive.

Locations

  • Manhattan, New York
  • Davie, Florida

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Please note that all calls with our company may be recorded or monitored for quality assurance and training purposes. Not all debts are eligible for enrollment. Participation in our program is voluntary and subject to individual circumstances. We do not guarantee specific outcomes, reductions, or timeframes for debt resolution. Our company does not assume your debt, provide legal, tax, or financial advice, or offer credit repair services. This is not a loan. We recommend consulting with a tax professional regarding any tax implications and seeking legal advice where necessary. Services are not available in all states. Our company and its affiliates are not lenders, creditors, or debt collectors.