Reduce Your Merchant Cash Advance Debt
Business Debt Relief
Save Money!
Settlement programs close positions at 40-60 cents on the dollar. That's thousands back in your pocket — money that stays in the business instead of going to funders.
Save Time!
We handle the funder calls, the paperwork and the back-and-forth. Most cases wrap up in 3-6 months. You run the business — we deal with the debt.
Lower Debt!
Daily ACH debits drain accounts before you can make payroll. Restructuring spreads payments out and cuts the total owed — freeing cash flow you can actually use.
We don't collect a dime until we've done the work. Cash advance debt is brutal —
daily debits, stacked positions, bank freeze threats. We've spent 25 years dealing with
the funders who create these problems.
70+ years of combined experience on our team. Thousands of business owners helped. Our negotiators sit across the table from funders every week — they know the playbook.
We work for you, not the funders. Restructured payments. Reduced balances. Legal cover when it gets ugly.
Call us. We'll tell you in 15 minutes what your options look like.
We Protect Your Business’s Finances
We Negotiate A New Agreement
You Become Cash-Flow Positive
You Pay Off Your Debt
First American Debt Help runs MCA debt relief programs that modify payment terms and reduce the total you owe. Daily ACH debits stop. Settlement negotiations begin. Your cash flow opens up within weeks, not months.
Here's why funders cooperate: these are unsecured positions. No collateral backs them. If your business shuts down, the funder collects nothing. They'd rather take 50 cents on the dollar than zero.
We sit between you and the funders. We know their playbook. We know what they'll accept. That's the difference between calling a funder yourself and having a negotiator with 25 years of relationships do it for you.
Freed-up cash goes where it matters — payroll, inventory, rent, contracts. Not to a funder pulling $1,500 a day out of your account.
Settlement isn't the only path. Debt consolidation can replace multiple daily debits with a single monthly payment. Restructuring can lower what you owe without closing the position. We figure out what fits your situation.
If you're not sure what a merchant cash advance is or how the math works, start there. Then call us. Most owners are shocked when they see the real APR on their positions.
We've worked with restaurant owners buried in 4 stacked advances. Trucking companies with $300K in combined positions. Retail shops losing $2,000 a day to ACH debits. Every situation looks different. The process is the same: stop the bleeding, negotiate and close it out.
Thousands of business owners have come through our program. Not all of them were sure it would work. That's fine. Call us, we'll review your contracts for free and tell you straight what's possible.
Bankruptcy isn't the only option. It's rarely the best one. Restructuring and settlement programs carry less damage and resolve faster.
We handle merchant cash advances, business credit card debt, bank loans and equipment loans. If you've already defaulted on your merchant cash advance, there are still paths forward. Default doesn't mean game over — it means different tactics.
Your first call is free. No obligation. We'll tell you what we see and what we'd do about it.
Get Started Today!
Send us your MCA agreements and recent bank statements. We pull apart the factor rates, daily debit amounts and total remaining balances. Within 48 hours you'll know exactly where you stand and what's possible.
Settlement, restructuring, consolidation or legal defense — depends on your situation. We map out the approach, the timeline and what your payments look like after we're done.
Our negotiators call the funders directly. They know who to talk to and what they'll accept. You stay focused on running the business while we handle the back-and-forth.
At First American Debt Help, we can provide immediate relief for businesses struggling with Merchant Cash Advance debt. By stopping the daily withdrawals and reducing the debt, we can help prevent the crippling effect that MCA debt can have on cash flow.
MCA creditors have contractual agreements that allow them to extract funds from any bank account where they have access to, posing a threat to the short-term and long-term survival of small and medium-sized businesses. If you're dealing with an MCA lawsuit or legal action, our legal team can help defend your interests. Our services can help alleviate this threat and provide a path towards financial stability.
Whether your business has $50,000 or multi-millions of dollars in stacked MCAs across numerous franchises, protecting your cash flow is essential. Our services can help safeguard your cash from creditor seizure and begin the negotiation process for debt settlement.
With control of your cash flow, you'll have the ability to save for the final settlement, ultimately achieving freedom from creditors and operating without debt barriers. While we do receive questions about debt and MCA consolidations, we recognize that loan consolidation is only beneficial when it aligns with the unique needs of the business and is part of an overall strategic plan.
Many small businesses want to pay off their MCA debt but find themselves unable to afford the payments. Despite their best efforts at negotiating on their own, they continue to struggle with the financial pressure of accumulating debt.
Many businesses find themselves overleveraged, with tight cash flow and limited financing options. However, by saving them money through debt restructuring, First American Debt Help can provide businesses with the financial relief they need to access additional financing without incurring additional payments.
Get Started Today!
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Have Questions? We Have Answers!
Are you looking for debt help or have questions about how the debt relief process works? Don’t worry! We have listed some of the most frequently asked questions about debt relief below.
Our program is focused on dealing with unsecured debt, such as credit cards, lines of credit, personal loans, and medical bills. Debt secured by collateral such as mortgages, auto loans, etc. cannot be enrolled into our program.
If you are experiencing any or all of the following, our Debt Negotiation Program may be right for you.
• You are having difficulty making credit card payments
• You have been late with one or more payments in the past three months
• You are not seeing a decrease in your credit card balances
• You have maxed out your available credit
• You are receiving calls from your creditors
Our goal is to keep your business alive and thriving, we do this by working
directly for you, not your lenders. We have successfully restructured millions
in corporate debt, using proven strategies and leveraging the relationships
built over the years.
1. Business Debt Analysis
2. Business Loan Modifications
3. Debt Consolidation Solutions
4. Debt Management Services
5. Debt Negotiation Assistance
6. Full Legal Representation
Yes. When you complete our program, all unsecured debt enrolled will be fully paid off. However, not all of our enrolled clients complete our program and following through with the monthly savings plan is key to your financial freedom.
The reason you are eligible for our program is because you have legitimate financial hardships. Therefore, you may be late with your monthly payments and, in certain instances, are no longer making payments. Late and missed payments already have an adverse effect on your credit. In many instances, your credit may not be further affected.
Typically, our debt negotiation program takes 24 to 48 months. However, it depends on you and your ability to maintain your payments in the monthly savings program.
Contact First American Debt Help today for a free, no-obligation consultation. Let us help
you reduce your debt and regain control of your business finances.
