Merchant Cash Advances are structured as purchases of future receivables, repaid through daily or weekly ACH payments. When a business is carrying one or more MCAs, those frequent payments can consume a significant portion of cash flow — sometimes more than the business can sustainably support.
"MCA relief" is not a single product. It's a general term for the range of options a business might explore when MCA payments are creating financial pressure. The right path depends on your specific situation: how many positions you have, your revenue, your cash flow, your credit, and what financing structures you may qualify for.
What MCA Relief Actually Means
Relief generally falls into a few categories:
- Restructuring — negotiating new terms with existing MCA providers to reduce payment frequency or amount
- Settlement — negotiating a payoff for less than the full remaining balance
- Buyout / Refinance — replacing MCA positions with a different financing structure (term loan, line of credit, etc.)
- Consolidation — combining multiple positions into a single obligation with more manageable payments
These are not interchangeable. Each has different requirements, different consequences, and different levels of availability. Some may not be available to your business. None is guaranteed.
What MCA Relief Is Not
Relief is not a guarantee of lower payments. It's not an SBA refinance — under SBA SOP 50 10 8, MCA debt became ineligible for SBA refinancing effective June 1, 2025. And it's not a one-size-fits-all solution. A structure that works for one business may not be available or appropriate for another.
Start by Understanding Your Situation
Before exploring relief options, you need to understand your current payment burden. How much of your monthly revenue is going to MCA payments? How many positions are you carrying? What are the balances and payment amounts on each? Our MCA payment calculator can help you estimate your current burden, and our educational resources below explain each option in detail.
Understand Your Situation
Start by understanding what MCAs are, how they work, and what your current payment burden looks like.
What Is an MCA Buyout?
How replacing MCA positions with another financing structure works.
How Does an MCA Factor Rate Work?
What a factor rate is, how it sets the payback amount, and why it isn't an APR.
Daily vs Weekly MCA Payments
How payment frequency affects cash flow and your deposit cadence.
MCA Payment Calculator
Estimate your current MCA payment burden as a percentage of revenue.
Relief Options
Three primary paths businesses explore when MCA payments are unsustainable. Each is distinct — understand the differences.
Compare Your Options
Understand the differences between relief paths before choosing a direction.
MCA Buyout vs Restructuring vs Settlement
A side-by-side comparison of the three primary relief paths.
Can't Afford Your MCA Payments?
What to do when daily or weekly MCA payments are hurting cash flow.
MCA Default: What Are Your Options?
What happens when MCA payments can't be met and what options exist.
Can You Buy Out Multiple MCAs?
Whether multiple MCA positions can be consolidated.
SBA & MCA Rules
Understand what SBA loans can and cannot do with MCA debt.
Explore Your Options
Submit your information and our team will review which available capital structures may be appropriate for your business or project.
Financing is subject to underwriting, eligibility, and approval. Products, terms, and availability vary by program and lender. Submitting information does not guarantee approval or funding. This page is educational and is not financial, legal, tax, or investment advice.