MCA Debt Restructuring That Actually Works
Reduce your merchant cash advance payments by 50% in 2-3 weeks. Not a consolidation loan. Not bankruptcy. A real solution that lets you keep running your business.
What Is MCA Debt Restructuring?
MCA debt restructuring is the process of negotiating with your merchant cash advance lenders to reduce your payment burden. Unlike a new loan that adds more debt, restructuring works with your existing obligations to create terms you can actually afford.
Here's what happens:
We contact each of your MCA lenders directly. We negotiate to reduce your total payoff amount, extend your payment timeline, or both. The result? Your weekly payments drop—often by 50% or more—and you can finally breathe.
This isn't debt consolidation. You're not taking out a new loan to pay off old ones. You're not filing bankruptcy. You're simply restructuring what you already owe into payments that work for your business.
| Approach | Timeline | Credit Impact | Business Disruption |
|---|---|---|---|
| MCA Restructuring | 20-35 days | Minimal | None |
| Debt Consolidation Loan | 30-60 days | New inquiry | None |
| Attorney Negotiation | 3-6 months | Varies | Possible |
| Bankruptcy | 6-12 months | Severe | Significant |
Is MCA Debt Restructuring Right for You?
MCA restructuring works best for businesses that:
If you checked 3 or more boxes, you're likely a strong candidate for restructuring. The more MCAs you have stacked, the more we can typically save you.
📋 Not sure if you qualify?
Our free assessment takes 5 minutes and tells you exactly what's possible for your situation.
Get Your Free Assessment →Why Restructuring Beats the Alternatives
vs. Debt Consolidation Loans
Consolidation Loans
- Adds more debt to your business
- Requires credit approval
- Often higher total cost
- Takes weeks to fund
MCA Restructuring
- Reduces existing debt
- No credit check required
- Lower total payments
- Results in days
vs. Bankruptcy
Bankruptcy
- Public record forever
- 6-12 months minimum
- Severe credit damage
- May lose business assets
MCA Restructuring
- Completely private
- 20-35 days
- Minimal credit impact
- Keep everything
vs. Ignoring the Problem
Doing Nothing
- Lawsuits and judgments
- Frozen bank accounts
- UCC liens pile up
- Business failure
MCA Restructuring
- Stop legal escalation
- Protect your accounts
- Resolve lien positions
- Save your business
Why Rapid Restructure Gets Results Faster
Not all MCA restructuring companies are the same. Here's what makes us different:
2-3 Weeks, Not 90 Days
Most debt relief companies take 60-90 days—or longer. We deliver results in 2-3 weeks (20-35 days) because we know exactly what lenders will accept and we don't waste time with back-and-forth negotiations.
Every day faster is money saved.
Former Industry Insiders
Our team includes former MCA brokers and lenders. We know how the industry works from the inside. We know which lenders negotiate, which don't, and exactly how to approach each one.
We're not learning on your dime.
You Pay When We Deliver
We don't charge anything until your payments are reduced. Our fee is built into your new payment structure, so you're still paying less than before—from day one.
Our success is tied to yours.
Results That Speak for Themselves
These aren't projections. They're results from real businesses just like yours—restaurants, construction companies, medical practices, trucking operations—that were drowning in MCA debt and found relief through Rapid Restructure.
We Help Businesses Like Yours
Restaurants & Food Service
Daily payments crushing cash flow? We've helped dozens of restaurant owners reduce payments by 50% or more.
Construction & Contractors
Seasonal revenue with year-round MCA payments? We restructure around your cash flow reality.
Trucking & Transportation
Multiple stacked MCAs eating into every load? We consolidate your lender relationships into manageable payments.
Medical Practices
Insurance delays plus MCA payments don't mix. We create breathing room for your practice.
Retail & E-Commerce
Inventory needs vs. debt payments? We help you keep enough cash to actually run your business.
Auto Shops & Services
Equipment payments plus MCA burden? We've helped dozens of auto businesses get back on track.
Don't see your industry? We've helped businesses in nearly every sector. Talk to us about your situation →
Questions You Might Have
Ready to Cut Your Payments?
Every day you wait is another week of payments you didn't have to make. Find out how much you could save with a free, no-obligation assessment. Takes 5 minutes. No credit check. No upfront fees.