Fully Neutralize Oppressive MCA Debt by Rapidly and Steadily Boosting & Restoring Cashflow and Quickly Generating Large Surges of Fresh Cash From Hidden Sources, While Negotiating Down Payments & Total Balances Like a Boss (Powered by The Infinite Funding Framework)
From the desk of Dan Kalis…
How to Erase the MCA Noose and Re-ignite Your Profits — Without Borrowing Another Dime
Dear Fellow Entrepreneur,
You’re not building and growing a 7-figure company so that every Friday you could sprint to the bank and pray the $4,000 weekly MCA draft clears.
Yet here you are — established, growing, and generating a decent profit margin on paper, but barely keeping your head above water with this MCA you felt you needed not long ago.
First off, you’re not alone. Tens of thousands of entrepreneurial businesses find themselves in the same situation.
Unfortunately for them, most have not yet encountered FullyFundable and our Reverse Funding Formula.
But you have.
The Profit that Vanished Overnight
On paper and in your forecasts, you’re profitable. Those profits should be available to you now for growth capital, cushion, or even a long-deferred family vacation.
But then the quick-cash merchant advance(s) arrived. Six-, nine-, maybe twelve-month paybacks felt manageable when the salesperson waved that approval in front of you.
Today those weekly debits tally 6-figures of annualized payments — possibly more than your entire profit.
To bankers, the line graph looks like a healthy pulse that flat-lined — at least for 12 months.
Will you be able to “grind it out” until the MCA is paid off on schedule?
Many MCA borrowers aren’t so fortunate.
“Just Refinance with an SBA 7(a), Right?”
That was the classic escape hatch — until June 1, 2025, when the SBA slammed it shut. If a business carries MCA debt, you can’t use 7(a) proceeds to refinance it.
Worse, those same MCA payments shove your DSCR (Debt Service Coverage Ratio) below 1.0, when banks are looking for at least 1.15 but ideally 1.5 (Think of DSCR as a simple test: Do you make $1.15 to $1.50 for every dollar of scheduled debt payments? If you fail, banks and the SBA must say no.)
In other words, the very cash drain that’s choking you is also the reason every traditional lender is barred from rescuing you based on SBA policy and their own internal guidelines.
So what’s left?
Wait it out? The average MCA borrower lasts seven months before cashflow collapses.
Another MCA? Adding gasoline to a wildfire. I’ve learned the hard way as a business loan broker how easily that can backfire and immediately push a business into bankruptcy.
A prayer and a miracle? Faith is priceless, indeed — yet pairing it with a concrete assessment, optimization, and recovery plan activates that faith into execution and realization.
The Unadvertised Third Door
There is a path that smart bankers, loan brokers, and YouTube gurus never mention — partially because it doesn’t pay them a commission, but mostly because they don’t know about it.
Introducing the Reverse Funding Formula™, powered by The Infinite Funding Framework and delivered exclusively by FullyFundable.
It’s a synchronized Financial Offense + Financial Defense system that starts loosening the MCA noose within weeks—often days—without piling on new debt or wrecking your credit.
What Makes the Reverse Funding Formula Different?
| Traditional “Solutions” | Reverse Funding Formula |
|---|---|
| More debt to pay old debt (no longer allowed for MCAs under SBA) | Earn + Negotiate: create fresh cash and slash the note |
| One-dimensional (banker, broker, or consultant) | Two-engine model: Financial Offense (cash Surges & Rainmaking) + Financial Defense (Merchant Relief negotiation) |
| Relief in months — if approved | First payment often cut inside 14-21 days; first cash Surge and offset first MCA payment often within 30 days |
| Credit hit and blacklisting if you default | Negotiated workout preserves business and personal status |
| Zero guarantee | $100k+ Organic Capital identification guaranteed |
Financial Offense: Put Real Money on the Table
Simultaneous tweaks and increases to leads, conversion rates, and customer value (Force Multiplier Effect — Air, Land, Sea attacks), through strategic revenue optimization which lead to compound boosts of cashflow to the tune of 50-400% within 30-90 days.
- Surges: Flash-flood cash infusions that can realistically dump $50k–$100k+ into your bank account within a few days once planned, set up and executed.
- Rainmaking: Incremental tweaks and optimizations that steadily boost extractable elevated cashflow and new income streams on a daily basis once put in place. Like steady rain that floods and offsets (and then outruns) the weekly MCA drafts.
Financial Defense: Shrink the Monster While You Sleep
- Our Merchant Relief team (battle-tested negotiators and attorneys) contacts your MCA provider the moment you sign the engagement letter.
- MCA lenders are notorious for playing hardball with borrowers who ask for help, often making them waste large amounts of precious time and energy begging for help, but getting nowhere without the leverage of a legal team that knows exactly how to deal with MCA companies (not just any attorney can do this effectively).
- Typical results: 50–75 % reduction in weekly/daily payments within 3-4 weeks
- Additionally: 20–30 % shaved off the total payoff by settlement, plus the ability to earn early-payoff incentives they offer by actually paying it off early (most never do).
- All while shielding your credit profile from “default” or “charge-off” status — because we position this as a structured workout, not a walk-away.
The Endgame — Neutralize the Draft, Reclaim the Future
Imagine the calcified 4-5 figure weekly debit dropping in half by the end of the month — and a $60,000 cash “Surge” from a simple, but powerful, overlooked enhancement to a marketing campaign hitting your account right after this weekend.
One covers the new, lower draft for months. The other chunks principle so fast the lender can’t help but deal. Within three to nine months, the note is gone and you’re operating on clean, self-funded profits again—eligible for traditional low-interest capital whenever you choose.
What You Receive
- Reverse Funding Mini-Audit (No Cost, 30 min.)
- Quick-scan financial, marketing, and debt Assessment.
- Receive a “Relief Probability Score”
- Organic Capital Windfalls Estimate and Forecast.
- Full Reverse Funding / Organic Capital Windfalls Assessment & Action Plan
- Detailed assessment of KPIs, activities, and assets that contribute to revenue
- “Paint-by-numbers” instructions (like simple recipes) even your newest hire can execute.
- 30-minute Consultation and Assessment of Merchant Relief eligibility and potential
- BONUS:
- 50 Instant Fundability Boosters: Quick-win, simple, but impactful enhancements that make your business much more attractive and risk-free to premium lenders, which will benefit you once you’re free of MCA debt and ready for a substantial SBA working capital loan (value: $2,500)
(Engagement fee: TBD, based on size and complexity)
Bulletproof Guarantee
Financial Offense Offer: If your Assessment and Action Plan doesn’t identify at least $100,000 in realistically extractable profit, you keep the plan and we still refund you.
Our risk is higher than yours — exactly how a real professional partner relationship should feel.
In Conclusion…
If you’ve read this far, you already feel the truth: grinding out weekly MCA payments until the contract ends is a slow, painful bleed most businesses don’t survive.
The SBA door is locked. Brokers have no answers. Waiting can be commercially fatal.
Open the third door. Let’s reverse the funding flow — back into your pocket—so you can get back to building, hiring, and sleeping through the night.
To your relief, abundance, and peace,
Dan Kalis
Founder | Chief Capital Advisor, FullyFundable | Creator of The Infinite Funding Framework™ and Reverse Funding Formula™
P.S. The sooner we engage, the sooner that next draft can be cut in half. Next week’s payment is already scheduled. Let’s make sure it’s the last one that steals your profit, peace, and freedom!
Your Move — Book a 30-Minute Eligibility Call
** If you’re a B2B professional with business clients who could benefit from our Reverse Funding program, feel free to book a call with us here.