MCA Relief Program
>> APPLY for the FullyFundable MCA Relief Program <<At FullyFundable, we understand the crushing weight of Merchant Cash Advance (MCA) debt. Our MCA Reduction Program is built to help businesses reduce payments, regain control of their cash flow, and avoid the devastating consequences of runaway MCA obligations.
If your company is being suffocated by multiple MCA payments, this guide will show you:
- Why MCA reduction is critical
- The dangers of leaving high MCA payments unchecked
- How the MCA Relief Program works
- The benefits you can expect
- How to apply and prepare for the program
What Is a Merchant Cash Advance (MCA)?
An MCA is a fast, but extremely expensive, form of business financing. A company receives a lump sum upfront and repays it through daily or weekly withdrawals — often tied to credit card sales or bank deposits.
While this can provide immediate cash, the repayment structure creates intense financial pressure. High factor rates and frequent withdrawals often push businesses into cash flow crises within months.
Why MCA Reduction Is Essential
High MCA payments can quickly drain working capital and put your business at risk.
Consequences of excessive MCA debt include:
- Strained cash flow that makes it difficult to cover payroll, rent, or supplier invoices
- Inability to invest in marketing or growth opportunities
- Risk of default, lawsuits, or bankruptcy due to missed payments
- Falling into a cycle of stacking multiple MCAs just to survive
Reducing MCA payments is often the only way to break this cycle and give your business room to recover.
>> APPLY for the FullyFundable MCA Relief Program <<How the MCA Reduction Program Works
FullyFundable’s MCA Reduction Program is designed to negotiate directly with lenders to lower your payment obligations. Here’s how it works:
Step 1: Eligibility Review
We analyze your MCA agreements, outstanding balances, and financial health to determine if you qualify. Businesses with unsustainable daily/weekly payments and viable long-term potential are the best candidates.
Step 2: Negotiation Process
Our specialists work with MCA lenders to restructure terms. This may include:
- Lowering overall payments by 30–75%
- Extending repayment timelines
- Reducing interest rates or fees
- Negotiating partial settlements to lower the total balance owed
Step 3: Program Outcomes
The goal is to immediately free up cash flow so you can stabilize operations, avoid bankruptcy, and reposition for future financing. Many clients experience near-immediate relief once payment reductions are in place.
>> APPLY for the FullyFundable MCA Relief Program <<Benefits of MCA Reduction
Participating in the MCA Reduction Program can deliver multiple advantages:
1. Immediate Financial Relief
Lowering MCA payments creates breathing room, allowing you to pay employees, suppliers, and operating expenses on time.
2. Bankruptcy Prevention
By reducing the pressure of daily/weekly payments, businesses can avoid insolvency and maintain operations instead of shutting down.
3. Improved Cash Flow
With freed-up capital, you can reinvest in marketing, expansion, and strategic initiatives — turning survival into growth.
How to Apply for the MCA Relief Program
Applying is straightforward, but preparation is key.
Find a Trusted Partner
Choose a provider with a proven track record of successful MCA negotiations. FullyFundable’s MCA Relief team has years of experience advocating for small and mid-sized businesses with MCA lenders (some predatory, some reputable but still expensive).
The Application Process
You’ll typically provide:
- Copies of your MCA agreements
- Recent bank statements
- Financial statements (P&L, balance sheet, cash flow)
Preparing for Success
Before starting, review your financials carefully, understand your MCA terms, and set realistic expectations. Open communication with your advisor ensures smoother negotiations and better outcomes.
>> APPLY for the FullyFundable MCA Relief Program <<The Bottom Line
MCA debt doesn’t have to mean the end of your business. By reducing payments, stabilizing cash flow, and avoiding bankruptcy, FullyFundable’s MCA Reduction Program offers a proven lifeline to struggling companies.
👉 If MCA payments are draining your business dry, now is the time to act. Reach out to FullyFundable’s Merchant Relief team and explore how much your payments can be reduced today.
Below are 22 real reviews from our partner company’s Google Business Profile:
Chanelle R. “I had the absolute pleasure of working with Sam, and I cannot recommend Merchant Relief services highly enough. From start to finish, Sam demonstrated exceptional professionalism, responsiveness, and a genuine commitment to resolving our issues.”
Brian A. “To Johny, I would like to thank Merchant Relief for saving my company and family from total financial ruin. They have guided us every step of the way.”
Ralph D. “Very professional and provides exceptional service second to none. These business professionals work tirelessly to meet your deadlines and give room for situations that may occur. I highly recommend this company and also trust their guidance.”
Roslyn G. “I had a very good experience working with Merchant Relief. Sophia and Tyler worked with me throughout the entire process. They were very professional, accommodating and answered all my questions. I am so happy to be finished with the program and glad to have found Merchant Relief.”
DZ “Johnny from Merchant Relief was responsive, helpful, communicative, and resourceful. He answered all my questions, provided guidance, and offered valuable suggestions while I was going through a difficult period. Having been scammed by others, I appreciated the honesty.”
Garth T. “INCREDIBLE company. Once they took over fixing my issues, they were on it so SUPER fast. My company survived because of the team that helped me out. I can’t speak any more highly about this company. Thanks for being there to stop my nightmares.”
Luis T. “Sophia has helped us every step of the way throughout our whole process. Keeps us updated and always checks in to see how everything is going. Sophia understands small businesses and has helped us make the right decisions. Blessed to be working with Merchant Relief. Thank you!”
Doug M. “I came to Merchant Relief after I had to have emergency eye surgery and could not work for a few weeks. I had a merchant cash advance. I am a one-man show and was unable to keep making daily payments. The people at Merchant Relief took the pressure off.”
Irvin S. “My experience with Tyler has been a complete pleasure. He has consistently checked on me, been available when needed, and has gone above my expectations. Merchant Relief is lucky to have him.”
Asif A. “I had a great and pleasant experience with Merchant Relief. Shout out to Cesar, Jacob, and Adam for their efforts and timely resolutions. Thank you guys so much, keep up the great work.”
John L. “Sophie helped us big time when we were in a crunch. We needed to consolidate some loans awhile back and weren’t fully aware of how the program worked. Sophie made sure we got the support we needed.”
Daren D. “Our organization had the pleasure of working with Michelle. She was very courteous, professional, knowledgeable and attentive throughout the process. If your firm is in need of such services, do not hesitate to secure the expertise of Merchant Relief.”
Tracey P. “Tyler was very patient and professional when working with my issues, he’s a great find for Merchant Relief. I would recommend Tyler to anyone seeking assistance for their credit issues. Thank you, Tyler!”
L M “Merchant Relief truly saved my business from drowning in overwhelming MCA debt—and they continue to support me every single day. I was at a breaking point, but their team stepped in with care, understanding, and a clear plan that gave me hope.”
Tommy H. “I was burdened with extremely high weekly payments. Merchant Relief went to work on my behalf to restructure my debt and worked with us on what we could afford. It was painless, very smooth and the best thing I probably have ever done.”
Ashley B. “Had a great experience working with Tyler. He was able to help us out with negotiating after we ran into an issue towards the end! Would definitely recommend working with them for any financial hardships you are faced with!!”
Cristian S. “Johnny is the man to ask for! Super responsive and works quick! Couldn’t be happier on how my accounts are currently being worked on! A true stress reliever”
R Hills “Johnny at Merchant Relief is great to work with. He made the whole process so easy. If you’re looking for a company to help you with your debt consolidation, contact Merchant Relief and ask for Johnny.”
Brenden B. “This company has been a tremendous help restructuring some debts. They have great follow up and are easy to work with. Definitely recommend Sophie!”
William V. “Johnny is a person who is an excellent example of customer service!! I can’t say enough about him. He helped me tremendously. The transactions left me pleased and confident that my account has been handled perfectly.”
Victor E. “They are an amazing team even though I ask a lot of questions. They had so much patience with me, and for that I’m so grateful. I highly recommend them.”
George F. “Everyone that I worked with was great. They listened to the issues I had and helped me through my hard times. I want to thank everybody that helped me.”
Bernard K. “I worked with several people from this company, but Karen really stood out as she was very professional in all aspects. Always prompt in getting back to you and very timely in keeping me up to date with where we were with the process.”