How MCA Resolution Works is simple: start with a free business debt assessment, share your current merchant cash advance (MCA) payments and financial concerns, and let our team review your inquiry. Where appropriate, we may connect you with an independent debt resolution team to discuss potential options. You remain in control of the decision, with no obligation to enroll.
The process starts with understanding your situation—not asking you to make a decision before you have the relevant information.
Tell us about your business, current payment concerns and the debt-related issue creating pressure.
Your answers give our team context about the situation and which questions may need clarification.
Where appropriate, you may have a follow-up conversation about the circumstances, potential options and additional information that may be needed.
If a resolution service is proposed, review its services, terms, fees and other relevant information before deciding whether to move forward.
An assessment does not create an obligation to enroll.
The first step is a short assessment about your business and current financial pressure.
Depending on your situation, useful information may include:
You do not need to know every exact number before starting. If you are unsure about a balance or payment amount, an estimate can be provided and clarified later if necessary. The purpose of the first assessment is to create a clearer starting picture.
After you submit the assessment, the information is reviewed by the MCA Resolution team. The goal is to understand:
The review helps us match your case with the right team for the next conversation. It is not a guarantee that you qualify for a particular debt-relief service.
If your situation appears appropriate for further review, the next step may involve a conversation about the circumstances and potential options. Depending on the situation, topics could include:
The purpose is to understand the situation before you decide whether to proceed. No particular outcome is promised.
If you are connected with a resolution team, you should have the opportunity to understand what that firm offers before enrolling. Review:
You remain responsible for deciding whether a proposed service is appropriate for your business. An initial assessment does not require you to enroll. Submitting an assessment creates no obligation to enroll.
You can start with a general picture of your business debt situation. Helpful information includes:
You don’t need to have a perfect spreadsheet before submitting the assessment.
The initial assessment is designed to start the conversation without requesting highly sensitive financial credentials. You will not be asked to provide:
If the information provided suggests that further debt-resolution review may be appropriate, MCA Resolution Advisory may connect you with a debt resolution team. The process can then move from the initial assessment, to a business debt review, the right resolution team taking on your case, a detailed discussion with that team, and finally your own decision.
Having your case assessed does not guarantee that a resolution team will accept the business or that a particular debt-relief outcome will be available. Eligibility and available services depend on the individual circumstances.
MCA Resolution Advisory assesses each case independently.
Its role is to:
MCA Resolution does not directly negotiate or settle business debt. It is not a law firm or a debt settlement company.
Where appropriate, a resolution team may provide the actual debt-resolution services. That firm should explain its:
before you decide whether to proceed.
The initial assessment is free. Your case assessment is free. MCA Resolution Advisory never charges business owners a fee. The resolution team handling your case may have its own fees or program terms, which it explains before you decide.
Those terms should be explained before enrollment. Free assessment does not mean every subsequent service is free. Ask any resolution team to explain its fees in writing before you agree to anything.
Submitting an assessment does not guarantee:
Every business has different agreements, payment histories, financial circumstances and counterparties. The purpose of the initial process is to determine what information and potential next steps may be relevant, not to promise a particular result.
Straight answers to the questions business owners ask us most. Still unsure? Talk to our team.
The initial assessment collects basic information about your business and current payment concerns. Most owners finish it in about three minutes, depending on how much information they have to hand.
No. Approximate figures can be provided during the initial assessment if exact balances are not available.
No. The initial assessment does not require document uploads.
No. Bank login credentials are not required for the initial assessment.
No. The initial assessment does not request a Social Security number.
The assessment allows the team to review the information provided and decide which resolution team is best placed to assist.
No. An assessment creates no obligation to enroll.
No. MCA Resolution Advisory assesses your case and makes sure the right resolution team assists you. Where appropriate, it connects business owners with resolution teams.
Once your case is with a resolution team, that team handles its own services, subject to its eligibility requirements and agreement with the business owner.
Yes. Your case assessment is free. We never charge business owners a fee. It may receive compensation from resolution teams.
No. The assessment does not guarantee eligibility, payment reduction, settlement, restructuring or any other specific outcome.
Include that information in your assessment. If you have received a legal notice, demand or court document, preserve the relevant records and consider speaking with a qualified attorney about your specific legal situation.
You don’t have to know exactly what solution you need before starting the conversation. Tell us about your business, your current payment pressure and the debt situation you’re trying to understand.
