Every case below is a real business owner who picked up the phone. No two situations are identical — but the pattern is the same. MCA pressure that felt impossible to escape, until someone looked at the numbers.
These business owners were exactly where you are. Behind on payments, getting calls from lenders, unsure what to do next. Here's what happened when they reached out.
A business owner defaulted on a $23,000 merchant cash advance. The lender was escalating collections and threatening legal action. Our team reviewed the agreement, identified the owner's leverage and negotiated directly with the funder. The lender agreed to accept $6,110 as full and final settlement — paid via wire transfer. The case closed on June 12, 2025. No lawsuit. No judgment. Done.
The MCA lender had already filed in the Supreme Court of New York, Nassau County. A $40,569.92 judgment was on the table. Most business owners assume a court filing means it's over. It's not. Our attorney partners filed a stipulation of settlement and negotiated the balance down to $18,000 — a lump sum that ended the legal action entirely.
A six-figure judgment — $107,684.07 — had already been entered. The business owner thought the fight was over. It wasn't. Our team connected them with an attorney who negotiated a structured settlement: $15,000 upfront followed by $5,000 monthly payments totaling $55,000. That's $52,684 the owner didn't have to pay. Settled June 17, 2025.
Filed in the Supreme Court of New York, Kings County. The lender wanted the full $14,750. Our attorney partners filed a stipulation of settlement that brought the total down to $5,000 — paid in two installments ($4,000 wire + $1,000 Zelle). Case closed March 2025. Two payments and it was over.
A $169,006 balance across MCA agreements. The business was drowning in daily ACH withdrawals. We negotiated a structured settlement — $20,000 down payment followed by 14 monthly payments of $6,850. That's over $51,000 the owner kept in their business. The payment plan meant cash flow stayed manageable throughout.
| Industry | Original | Settled | Saved |
|---|---|---|---|
| Settlement & Release | $23,000 | $6,110 | 73.5% |
| Court (Nassau, NY) | $40,569 | $18,000 | 55.6% |
| Judgment Settlement | $107,684 | $55,000 | 48.9% |
| Court (Kings, NY) | $14,750 | $5,000 | ~66% |
| Large MCA Settlement | $169,006 | $117,955 | 30.2% |
Results vary by case. Each business situation is unique. Past outcomes do not guarantee future results.
Every case above started the same way — a quick phone call or form submission. Ten minutes of your time to find out what your options actually look like.
Yes. Every case on this page reflects a real business owner who worked with our team. Details like industry and location are accurate. We redact business names and personal information to protect client confidentiality.
Every MCA situation is different. The amount owed, the lender, the state you're in and the terms of your agreement all affect the outcome. We don't guarantee specific results. What we do guarantee is an honest assessment of your situation and clear guidance on your options.
It depends on the complexity. Simple single-MCA cases can see movement in days. Stacked situations with legal complications take longer — typically 3-8 months. We'll give you an honest timeline during your first conversation.
We work with businesses regardless of the MCA amount. A $30,000 MCA can be just as devastating to a small business as a $200,000 one to a larger operation. If the daily withdrawals are hurting your ability to operate, it's worth a conversation.
