Why Choose MCA Resolution
Facing merchant cash advance (MCA) payments or other business debt pressure? Start with a free assessment and a straightforward review of your situation. Where appropriate, we connect you with an independent debt resolution team. There is no obligation to enroll, and no outcome is guaranteed.
Not sure of a figure? Just say so. No guessing.
Who does what
MCA Resolution reviews your inquiry
An independent team provides any services
You make the final decision
Why MCA Resolution?
MCA Resolution gives business owners facing merchant cash advance (MCA) pressure a free, no-obligation assessment, with no SSN or bank login needed at the start. We review your situation and may connect you with an independent debt resolution team, which provides any services. We never charge merchants, and no outcome is guaranteed.
Every industry feels MCA payments differently
Choose the one closest to yours and see how we start.
Restaurants often face fixed daily withdrawals against revenue that rises and falls. Your free review looks at your payment amounts, frequency and how they affect cash for payroll and suppliers, then explains what the next step may involve.
Get My Free Assessment →Restaurant debt reliefTrucking companies carry fuel, maintenance and equipment costs alongside their advances. We start with your obligations and payment schedule, then explain who can review the details with you.
Get My Free Assessment →Trucking debt reliefContractors and trades often wait on customer payments while MCA debits keep coming. Tell us about your obligations and recent changes, and we’ll help organize the picture before any next step.
Get My Free Assessment →Contractor debt reliefAuto repair shops manage parts, payroll and equipment on tight margins. Your assessment covers current advances, payment pressure and what the shop needs to keep running normally.
Get My Free Assessment →Auto repair debt reliefWhy choose MCA Resolution over a typical debt relief company?
What a first step usually involves, so you can choose with your eyes open.
| Many other companies | MCA ResolutionReview first, decide later | |
|---|---|---|
| Fees to you | Fees and terms vary by company, and aren’t always clear upfront | Free assessment. We never charge merchants. |
| First step | Often a sales call, or a long list of personal details | A 3-minute form. No SSN, bank login or documents needed. |
| Promises | Some advertise big reductions or settlement results | No guaranteed outcomes. Just a realistic review. |
| Who does what | It isn’t always clear who actually provides the service | Explained upfront: we review your inquiry, and an independent team provides any services. |
| Pressure | There may be pressure to sign quickly | No obligation. Your decision, at your own pace. |
| Multiple MCAs or already behind | Some filter out these cases early | Include them in your assessment. We look at your full situation. |
| Understanding first | The focus is often on getting you to enroll | Review first, then services, fees and risks explained, then your decision. |
General comparison. Individual companies’ practices vary.
We explain before you decide.You will know who does what, what it may cost, and what the risks are before you agree to anything.
Start my free assessment →How does the MCA Resolution process work?
- Share your situationA short, free assessment about your business and payments.
- We review itWe may follow up to clarify the details.
- Meet the right teamYour case goes to an independent resolution team.
- You decideReview their services, fees, terms and risks, then choose.
Is MCA Resolution a debt settlement company?
No. We are not a lender, law firm or debt settlement company. We assess your inquiry and may connect you with an independent resolution team. Here is who does what.
MCA Resolution
- Receives and reviews your assessment
- Helps clarify your situation
- Matches your case with the right resolution team
- Never charges you a fee
The independent resolution team
- Runs the detailed debt-resolution review
- Explains services, fees, terms, risks and eligibility
- Provides any services under its own agreement
- Leaves the final decision to you
Judge any debt relief company by these standards, including us
MCA debt is a crowded space full of bold claims. Check this list before you share anything with anyone.
Red flags to watch for
- Promises a specific reduction before reviewing your agreements
- Pushes you to decide or sign the same day
- Asks for bank logins on the first step
- Won’t say who provides the service or what it costs
- Tells you to stop paying without explaining the risks
Questions to ask before you agree to anything
- Who will actually handle my case?
- What are all the fees, and when are they charged?
- What happens if a funder doesn’t agree?
- What does my eligibility depend on?
- Can I read the agreement before I decide?
Important to know. MCA Resolution is not a lender, law firm or debt settlement company. We assess your inquiry and may connect you with an independent resolution team. We may be compensated by those teams, and we never charge merchants a fee.
Submitting an assessment is not an approval and does not guarantee a payment reduction, settlement, debt forgiveness, a specific savings amount, acceptance by a resolution team, funder cooperation, a revised repayment arrangement, protection from collection activity or legal action, or any particular timeframe or outcome. Every business and debt situation is different.
Further reading from the U.S. Federal Trade Commission: its small business financing forum paper and enforcement actions involving some MCA providers. Last reviewed: October 2026.
Straight answers
The questions business owners ask us most. Still unsure? Talk to our team.
01Is the assessment really free?
Yes. MCA Resolution never charges business owners for their case assessment. A resolution team may have its own fees or terms, which should be explained before enrollment.
02Do I have to enroll after submitting?
No. Submitting the assessment does not obligate you to proceed with any program or service.
03Do you negotiate my MCA debt directly?
No. We assess each case, and an independent resolution team may provide the actual debt-resolution services.
04What if I have multiple MCAs or I am already behind?
Include it in your assessment. It helps the team understand the overall situation and identify the right resolution team to assist you.
05Do I need my exact balance?
Not for the initial inquiry. Give the most accurate information you have and say when you are unsure.
06Do I need my SSN or bank login for an MCA assessment?
No. The initial assessment does not require an SSN, online banking credentials, a bank account number or document uploads.
Get a clearer picture of your MCA situation
Tell us about your business and the payment pressure you are facing. Free, confidential, and about 3 minutes.
Free assessment. No obligation. No SSN or bank login.