Understanding the MCA Process from Start to Finish

Step 1: Submit Your Information

The process begins with a brief intake. We ask for basic information about your business and your MCA obligations — your name and business details, the names of your lenders or funders, approximate total debt, and whether any lawsuits or legal actions have been filed.

This takes about five minutes and gives us enough context to have a meaningful first conversation.

Step 2: Free Case Review

A member of our team contacts you to discuss your situation in more detail. This conversation is free and confidential.

During this review, we:

• Go through your funding agreements
• Assess the strength of your position
• Explain your realistic options
• Answer your questions honestly

There is no obligation to proceed. Many people find this conversation useful even if they ultimately decide not to work with us.

Step 3: Document Review

If you decide to move forward, we ask for copies of your MCA agreements and any related correspondence. This includes:

• MCA contracts and any amendments
• Payment history
• Any legal notices received
• Bank statements if relevant to understanding cash flow

This review allows us to understand exactly what you signed, what the funders' legal rights are, and where potential leverage points may exist.

Step 4: Negotiation

We contact your lenders and their counsel directly to open settlement discussions. We handle all communication on your behalf.

During this phase:

• We engage directly with funders and their attorneys
• We present settlement proposals based on your financial position
• We exchange offers and counteroffers
• We provide regular updates on where things stand

This phase can take weeks to months depending on the number of funders, their responsiveness, and the complexity of the situation.

Step 5: Resolution

If a settlement or workout arrangement is reached, we present the terms to you clearly. You decide whether to accept. There is no pressure — the decision is yours.

We document any agreement carefully to ensure the funder releases their claims properly.

What Happens If We Can't Settle?

Not every case results in a settlement. Some funders will not negotiate. Some situations are too far along in the legal process to resolve without formal proceedings.

If that is the case with your situation, we will tell you plainly. We would rather give you accurate information early than an optimistic story that does not hold up.

The Fee Structure

We only collect a fee when we successfully negotiate a settlement or resolution on your behalf. If we don't achieve a result, you owe us nothing. This aligns our goal directly with yours.