MCA Debt Relief
MCA Debt Relief: Your Real Options
Stacked advances draining every deposit? Here are the four real routes out, what each one actually costs, and which one fits your situation, including the one we do not sell.
What is MCA debt relief?
MCA debt relief is any structured way to reduce or reorganize what you owe on merchant cash advances so the daily debits stop starving your business. The four realistic routes are consolidation, reverse consolidation, refinancing into a term loan, and restructuring or settlement.
Which of the four applies to you is not a matter of opinion. It turns on how many advances are open, whether the debits are still clearing, and what share of the week they take. Four taps below and you get a straight read — including the cases where the honest answer is that you do not need a funding company at all. You can read the answer without giving an email.
If a funder has sued you, has a judgment, or your account has been frozen
Stop here. That is a legal question before it is a funding one, and nothing on this page changes it. Take the contract, every notice and any court papers to a commercial litigation or creditors’ rights attorney, and sign nothing new — not a consolidation, not a reverse consolidation, not a settlement — until they have read them. New money does not undo a judgment, and signing while a claim is live can narrow options an attorney would otherwise have had.
Why a new arrangement does not help once enforcement has started. Not sure whether that is you? Call (929) 977-9070 and we will say so plainly, including when the answer is that we are the wrong call.
Fit check · four questions
Where do you actually stand?
Four taps and you get a straight read on the situation — which routes are generally considered for it, which are not, and when the honest answer is that you do not need a funding company at all. No email until the end, and you can read the answer without giving one.
Question 1 of 4
How many advances are open right now?
Count every funder taking a debit, including the one you took last month.
Then the number every route is trying to move
Most owners carry that figure in pieces — three debits, two funders, one vague sense of dread. Put the pieces in and see it whole: what the stack takes out every week, and what share of your revenue leaves before you pay anyone else. Nothing is sent anywhere unless you choose to send it.
Stacked position calculator
What your stack actually takes
Enter each advance as it appears on your bank statement and your contract. The tool adds them up — nothing is sent anywhere until you ask for a review.
Example figures. Illustrative only — they are here so the tool reads as something. Change any field and the numbers become yours.
Position 1
The payoff figure — what is still owed, not what you originally received.
One debit as it hits the account, not the weekly total.
Daily debits are counted as five a week, the way ACH settles.
What this advance costs
The multiple on your contract — 1.45 means you repay $1.45 for every $1 advanced.
Most contracts state one or the other. Enter whichever you can read off the agreement — leave it blank if you cannot find it, and the rest still adds up.
$3,125 a week · clears in about 16 weeks · $0.45 of cost per $1 borrowed
Position 2
The payoff figure — what is still owed, not what you originally received.
One debit as it hits the account, not the weekly total.
Daily debits are counted as five a week, the way ACH settles.
What this advance costs
What actually landed in the account.
Sometimes called the "purchased amount" — the full sum you agreed to repay.
Most contracts state one or the other. Enter whichever you can read off the agreement — leave it blank if you cannot find it, and the rest still adds up.
$1,900 a week · clears in about 17 weeks · $0.49 of cost per $1 borrowed · factor 1.49
Everything the business collects in a month, before any expense.
Debt service against the revenue you entered
15%
$21,775 a month in advance payments on $145,000 of revenue.
About $15 of every $100 you collect
That share leaves the account before you pay a single other bill. Whether it is workable depends entirely on what your margins look like after payroll, rent and supplies.
- Total daily drain
- $1,005
- Total weekly drain
- $5,025
- Total remaining payback
- $79,500
- Longest position clears in
- 17 weeks
- Cost per $1 borrowed
- $0.45 – $0.49
Weekly positions counted as a daily equivalent over five debit days.
Daily positions counted as five debits a week.
The balances you entered, added together.
At the debits you entered, if nothing changes and nothing new is taken.
Across the 2 positions where you gave us the cost.
2 positions. Total weekly drain $5,025. Debt service is 15% of the revenue entered.
This is arithmetic on the figures you entered. It is not an offer, not advice, and not a promise about any outcome. It deliberately shows no APR — an advance has no term, so an APR would assert something your contract does not say — and no date by which you run out of money.
Your figures travel with the request, so you do not have to type them twice.
How businesses end up with stacked advances
Almost nobody plans to carry four merchant cash advances at once. It happens one reasonable decision at a time. A slow month leads to a first advance. The daily debit tightens cash flow, so a second advance covers the gap the first one opened. Within a few months the business is taking new funding mostly to service old funding, and the combined daily payments are larger than the profit the business makes in a day. That is the stack, and it is a cash-flow problem before it is a debt problem.
The good news is that a stack is fixable more often than owners think, because the thing choking the business is the timing of the payments, not always the total amount owed. Change the timing and many businesses breathe again. The bad news is the mirror image: when the real problem is the total, changing the timing buys weeks and costs money, and the honest thing is to say so before you sign. That is what the rest of this page is for.
The four routes out, compared
Every realistic route is below, including restructuring and settlement, which Ovesture does not sell. An honest table is the whole point of this page.
| What it does | Speed | Who it suits | Who it traps | |
|---|---|---|---|---|
| Consolidation | Combines several advances into one lower scheduled payment | Fast to moderate | Businesses with steady deposits, not yet in default | Owners who need the total owed reduced, not just the payment |
| Reverse consolidation | Funds your daily payments so the advances keep getting paid while your cash flow recovers | Fast | Businesses that need immediate daily relief | Owners who do not read the full-term cost; it usually adds a new UCC filing and more total payback |
| Refinance into a term loan | Replaces short-term advances with a longer, lower-cost loan | Moderate | Businesses with reasonable credit and clean recent history | Businesses already in default or with very low revenue |
| Restructuring or settlement | Negotiates balances down, sometimes with legal help. Ovesture does not sell this | Slow | Businesses in or near default with no room to refinance | Anyone sold it as a first resort; it can involve real legal risk |
Which route fits which situation
If your deposits are still healthy and you are current, look first at MCA consolidation. If the daily debit itself is the emergency and you need it to ease this week, read how reverse consolidation works and, importantly, what it costs across the full term and what it adds to the public record against your business. If your credit and books are strong, a straight refinance or business debt consolidation may be cheaper than anything MCA-specific. If you are already behind, start with what happens if you default.
And if none of the four is right, that is a real answer too. We wrote when consolidation is the wrong answer because the category almost never publishes it: there are situations where reshaping the debt makes a business measurably worse off, and you deserve to recognize yours before someone underwrites it.
Whichever route fits, treat it as the middle of the story rather than the end of it. Being bankable again is a file you rebuild after the advances clear, not a product anyone sells you, and the path back to bankable sets out what that file has to show — including the cases where it never gets there.
Tell me which of the four routes fits my stack
One field. No credit pull, no application, no obligation.
- A person reads this, not a bot — and replies within one business day.
- Nothing is pulled or signed. No credit check and no application reaches a lender until you have seen the numbers and said yes.
- We are a funding firm — not a law firm and not a debt-settlement company. If your situation needs a lawyer, we will tell you that instead.
- If consolidating is the wrong move for your numbers, we say so — and tell you who to call instead.
We use what you send to answer you, and for nothing else. See our Privacy Policy.
Check the filings against your business before you decide
Most funders record a UCC-1 financing statement — a public notice of a claim against your business assets — when they advance you money. Those filings outlive your memory of who you signed with, and every route on this page is affected by how many there are and whose they are. You can look yours up yourself, free, without asking us or anyone else:
- New York: New York Department of State — Uniform Commercial Code filings (19 September 2026)
- New Jersey and other states: the equivalent search sits with the state office that handles business records. Search on your exact registered entity name, not your trading name.
Bring that list to any conversation, including ours. An adviser who has seen the filings is giving you an opinion; one who has not is guessing.
What Ovesture can and cannot do
What we can do
Consolidate or reverse-consolidate stacked advances, refinance into longer-term funding where you qualify, and show you the full-term numbers before you sign anything. We fund businesses banks decline.
What we will not do
We will not quote a rate we have not confirmed, we will not push reverse consolidation when it only delays the problem, and we will not take a business we cannot actually help. If a restructuring attorney is the right call, we will say so. You can also read how we get paid, so you know what our incentive is before you weigh our advice.
Before you sign with anyone, including us
There is a short set of questions that separates a consolidator who will tell you the truth from one who will not: who pays them and when, whether your money passes through their account, what happens to your existing debits in the gap before payoff, whether a new UCC-1 gets filed and who terminates the old ones, and what this does to your total payback rather than your weekly payment. We wrote all thirteen down and made them free to print — the questions to ask any MCA consolidator before you sign. Nothing is held back for an email, and we expect you to ask us the same ones.
What we need from you to give a real answer
A useful answer needs a real picture: how many advances are open, the approximate balances and daily or weekly payments, your average monthly deposits, roughly how long you have been in business, and whether any advance is behind. The calculator at the top of this page collects exactly that, and will send it with your message if you want it to. With that, we can tell you which of the four routes is realistic and which is not, rather than guessing.
What happens after you apply
You send the picture above. We review it against Ovesture underwriting criteria and come back with the routes that actually fit, the ones that do not, and why. If a route works, we handle the funder calls and the payoff or balance letters. Nothing is pulled and nothing is signed until you have seen the numbers.
Frequently asked questions
MCA debt relief is any structured way to reduce or reorganize what you owe on merchant cash advances so the daily or weekly debits stop draining your business. It covers consolidation, reverse consolidation, refinancing into a term loan, and, in some cases, restructuring or settlement.
Often, yes. If your business still has steady deposits and is not already in default across every advance, several advances can usually be combined into one lower scheduled payment. Whether it lowers the total cost or only the payment depends on the terms, which is why we show you the full numbers before you commit.
Merchant cash advances themselves usually are not reported to consumer credit bureaus, and consolidation is structured around business revenue rather than a credit score. A related term loan or line of credit may involve a credit check. We tell you which applies to your situation before anything is pulled.
It depends on how many funders are involved and how quickly they return payoff or balance letters. Some businesses move within days once documents are in; complex stacks take longer. We will give you a realistic timeline for your specific situation rather than a marketing promise.
Options narrow once you are in default, but you still have them. Read what happens if you default first, then talk to us the same day. If a restructuring attorney is the better call than any funding product, we will tell you that plainly.
Add up the debits, not the balances. Put each advance's remaining balance, its debit and its frequency into the calculator on this page and it returns your total weekly drain, your monthly debt service, and what share of your revenue is leaving before you pay anyone else. That share is the number every route out is trying to change.
We publish what we can stand behind about compensation on a dedicated page rather than burying it. Read how we get paid, and ask us to put the arrangement on your specific deal in writing before you sign anything.
MCA debt relief
Get a free MCA review
Tell us what you are carrying. We will show you every route out, with the numbers, and tell you honestly which one fits.
- A person reads this, not a bot — and replies within one business day.
- Nothing is pulled or signed. No credit check and no application reaches a lender until you have seen the numbers and said yes.
- We are a funding firm — not a law firm and not a debt-settlement company. If your situation needs a lawyer, we will tell you that instead.
- If consolidating is the wrong move for your numbers, we say so — and tell you who to call instead.