We Help Businesses Escape MCA Debt. Fast.
Rapid Restructure exists for one reason: to help businesses drowning in merchant cash advance debt find relief in weeks, not months. We've done it for 100+ businesses. We can do it for you.
Why Rapid Restructure?
The MCA industry has a problem.
Merchant cash advances were designed to help businesses with quick access to capital. But somewhere along the way, they became traps. Daily debits. Stacked positions. Aggressive collection. Businesses that took out MCAs to grow ended up fighting to survive.
We started Rapid Restructure because we saw this problem from the inside. Our team includes former MCA brokers and lenders—people who know exactly how the industry works, what lenders will accept, and how to negotiate effectively.
We took that insider knowledge and put it to work for business owners instead of against them.
The result? A company that delivers debt relief in 2-3 weeks (20-35 days) while others take months. A company that actually understands your situation because we've seen it from every angle. A company that only gets paid when we deliver results.
That's Rapid Restructure.
The Rapid Difference
Speed That Actually Matters
2-3 weeks. That's our typical resolution time.
Other debt relief companies? 60-90 days. Attorneys? 3-6 months. Bankruptcy? A year or more.
Every week you wait costs you money in payments you didn't have to make. We work fast because we know time is the most valuable thing you have right now.
Why are we faster? Because we're not learning on the job. We know the lenders. We know what they'll accept. We don't waste time with unrealistic offers or endless negotiation loops.
Insider Knowledge, Outsider Advocacy
Our team has been on the other side of the table.
Former MCA brokers who know how deals are structured. Former lender representatives who know how collection decisions are made. Former industry insiders who know exactly which buttons to push.
That experience is now working for you.
We're not guessing what lenders might accept. We know what they've accepted before—often from the same people who made those decisions.
Aligned Incentives
No upfront fees. You don't pay until we deliver.
Our success is tied directly to yours. We only make money when your payments go down. That means we're motivated to get the best possible result, as fast as possible.
No long retainers. No hourly fees adding up while nothing happens. Just results-based compensation that keeps us accountable.
How We Work
We believe debt relief should be straightforward, fast, and effective. Here's our approach:
Honesty First
We tell you the truth about your situation—even if it's not what you want to hear. If restructuring isn't right for you, we'll say so. If your expectations are unrealistic, we'll be direct about it.
You don't need someone who tells you what you want to hear. You need someone who tells you what's actually possible.
Speed Without Shortcuts
We move fast, but not recklessly. Every negotiation is handled professionally. Every agreement is documented properly. Every promise is kept.
Speed comes from experience and preparation, not from cutting corners.
Respect for All Parties
We negotiate firmly but fairly. We don't burn bridges with lenders because we might need to work with them again—on your behalf or someone else's.
Aggressive tactics might feel satisfying, but sustainable results require professional relationships.
Communication Throughout
You'll never wonder what's happening with your case. Regular updates. Direct access to your team. Clear explanations of what's happening and why.
Your debt relief isn't a black box. It's a process you understand.
Results at a Glance
These aren't projections. They're results from real businesses across restaurants, construction, trucking, medical practices, retail, and more. Businesses just like yours.
Who We Work With
Rapid Restructure works with businesses of all sizes and industries facing MCA debt challenges. Our typical clients:
- Have 2+ merchant cash advances
- Owe $50,000 or more in total MCA debt
- Are paying $2,000+ per week in MCA payments
- Want relief fast (not 6 months from now)
- Plan to keep operating their business
We've helped restaurants, construction companies, trucking operations, medical practices, retail stores, auto shops, and dozens of other business types.
If you're a business owner struggling with MCA debt, we can probably help.
The Team Behind Your Results
Rapid Restructure is built by people who've worked in every corner of the MCA industry—and decided to use that knowledge to help business owners instead.
Our team includes:
- •Former MCA brokers who understand how deals get structured
- •Former lender representatives who know how collections decisions are made
- •Negotiation specialists who've closed hundreds of settlements
- •Client success managers who keep you informed every step of the way
We're not a faceless corporation. We're a team of professionals who believe business owners deserve better than crushing MCA debt and slow-moving debt relief.
Partner With Us
If you're an MCA broker or ISO with clients who can't get funded due to existing MCA debt, we can help.
Our broker partner program offers:
- Referral fees for successful restructurings
- Fast turnaround (20-35 days typical)
- Professional handling of your client relationships
- Regular updates on case progress
- Simple submission process
Your clients get relief. You maintain the relationship. Everyone wins.
Learn About Our Partner Program →Get in Touch
Location
Serving businesses nationwide
Ready to Get Started?
You've learned about who we are. Now let us learn about you. Our free assessment takes 5 minutes and tells you exactly what's possible for your situation. No obligation. No upfront fees.
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