How Rapid Restructure Works
Four simple steps. 2-3 weeks. 50% lower payments. No confusion, no surprises—just results.
Your Path to Payment Relief
Most debt relief companies make the process confusing and slow. We don't. Here's exactly what happens when you work with Rapid Restructure:
Step 1: Free Assessment
Everything starts with understanding your situation. During your free assessment, we'll:
- •Review all your current MCA positions
- •Analyze your total debt burden
- •Understand your cash flow situation
- •Calculate your potential savings
- •Explain exactly how we can help
This isn't a sales pitch. It's an honest evaluation of whether restructuring makes sense for your business. If we can't help you, we'll tell you—and point you toward alternatives that might work better.
What We Need From You
To complete your assessment, have these ready:
- □List of your MCA lenders
- □Current payment amounts (daily or weekly)
- □Approximate balances owed
- □Recent bank statements (last 3 months)
- □Your MCA contracts (if you have them)
What You'll Get
After your assessment, you'll know:
- Whether restructuring is right for you
- How much you could potentially save
- Which lenders are most likely to negotiate
- Realistic timeline for your situation
- Exactly what working with us looks like
Step 2: Custom Strategy
No two MCA situations are the same. Some lenders negotiate easily. Others are tougher. Some respond to certain approaches, others don't.
Based on your assessment, we create a custom strategy for your exact situation:
Lender Analysis
We identify which of your lenders have negotiated before, what terms they typically accept, and how to approach each one for the best result.
Payment Calculation
We determine exactly what reduced payment structure works for your business. Not what's easiest for lenders—what actually works for you.
Timeline Planning
We map out the negotiation sequence. Some lenders are quick; others take longer. We plan for both so nothing catches you off guard.
Documentation Prep
We prepare everything needed to authorize us to negotiate on your behalf. You sign once, and we handle the rest.
What Happens Next
Once you approve the strategy, you sign our authorization documents. This gives us the legal authority to contact your lenders and negotiate on your behalf.
From this point forward, you focus on running your business. We handle the lenders.
Step 3: Rapid Negotiation
This is where our insider experience makes the difference.
We contact each of your MCA lenders directly. We don't just ask nicely—we negotiate from a position of knowledge. We know what they've accepted before. We know their internal processes. We know their pain points.
Payment Reduction
Our primary goal: cut your weekly payments. Most clients see reductions of 50% or more.
Term Extension
Spreading payments over a longer period reduces weekly burden while still satisfying your obligations.
Balance Reduction
In some cases, we can negotiate a reduction in the total amount owed—especially if you can make larger upfront payments.
Legal Protection
We work to prevent or stop legal actions, freeze bank account attempts, and resolve judgment threats.
Why We're Faster
Why 20-35 days instead of 90?
Other companies start from scratch with every lender. They don't know who to contact, what to say, or what terms are realistic.
We do. Our team has been on the lender side. We know the decision-makers. We know what they'll accept. We don't waste time with unrealistic offers or endless back-and-forth.
We go in prepared, make smart offers, and close deals fast.
During This Phase
While we negotiate, you'll:
- •Receive regular updates on progress
- •Have a dedicated contact for questions
- •Continue running your business normally
- •Not deal with lender calls or harassment
We handle the stress. You handle your business.
Step 4: Payment Relief
Once negotiations are complete, everything changes.
New Payment Schedule
Your MCA payments are now 50% lower (on average). Weekly debits that were crushing your business become manageable.
Written Agreements
Every deal is documented. You have written confirmation of your new terms from each lender.
Single Point of Contact
Instead of dealing with 4-5 different lenders, you make payments through us. We distribute to lenders according to the agreements.
Peace of Mind
No more lender harassment. No more frozen account fears. No more wondering if you'll make payroll. Just breathing room.
The Numbers: Before vs. After
Before Rapid Restructure:
- • 4 MCA lenders
- • $8,000/week in payments
- • Daily ACH debits
- • Constant cash flow stress
After Rapid Restructure:
- • 1 weekly payment
- • $3,500/week
- • Predictable schedule
- • Business stability restored
Savings: $4,500/week
= $18,000/month = $216,000/year
What Happens After Your Payments Are Reduced?
Restructuring isn't the end—it's a new beginning for your business.
Payment Management
We continue to manage your lender payments. You make one payment to us weekly; we handle distribution to your lenders.
Issue Resolution
If any lender tries to change terms or causes problems, we handle it. You're not on your own.
Business Recovery
With 50% more cash flow, you can focus on rebuilding. Many clients use the savings to catch up on other obligations, invest in inventory, or simply stabilize operations.
Future Funding
Once your restructured debt is resolved, you'll be in a much better position for traditional financing. We can even point you toward business-friendly funding options when you're ready.
Your 20-35 Day Timeline
Free Assessment
Assessment complete
Strategy
Plan approved
Negotiate
Lenders contacted
Deals Close
Most deals finalized
Done ✓
All payments reduced
Compare to other options:
- • Other debt relief companies: 60-90 days
- • Attorney negotiation: 3-6 months
- • Bankruptcy: 6-12 months
Frequently Asked Questions
Ready to Start?
Your free assessment takes 15-30 minutes and tells you everything you need to know: whether restructuring makes sense, how much you could save, and exactly what comes next. No obligation. No pressure. Just clarity.
Have questions first? We're here to help.