MCA Debt Relief for Construction Companies
When MCA debits hit every day but your draws and invoices pay on the project's schedule, the cash never lines up. We negotiate directly with your lenders to restructure your merchant cash advance debt — so your crews keep working.
Why Construction Companies End Up Stacked with MCAs
Construction lives and dies by cash timing. You front the cost of labor, materials, and equipment long before a project pays out, and progress draws, retainage, and slow-paying generals can leave you carrying a job for weeks or months. When a bank loan isn't fast enough — or isn't available — a merchant cash advance becomes the stopgap to cover payroll or buy materials for the next phase.
The problem is that one advance often turns into several. A delayed draw on one project leads to a second advance to keep another moving, and soon multiple funders are pulling fixed daily or weekly amounts out of your account — regardless of whether you actually got paid that week. For a business with lumpy, milestone-based revenue, that fixed drain is brutal.
Rapid Restructure helps contractors and construction firms restructure that debt — reducing the daily and weekly payments to something the business can carry between draws. We are a debt-restructuring service, not a law firm.
The Construction Cash-Flow Mismatch
The core squeeze in construction is the gap between when money goes out and when it comes in. MCA payments are due every business day; project draws and invoices pay on the job's timeline — net-30, net-60, on completion, or whenever the general contractor releases funds. Retainage can hold back 5 to 10 percent of a contract until the very end. A single slow-paying GC or a delayed draw can leave you covering daily debits with money you have earned but not yet collected.
Add a change order that hasn't been approved, a material-price spike, or a job that runs long, and stacked advances can push a profitable contractor into a cash crisis on paper. Restructuring pulls those daily payments back down so your cash can go where it has to: making payroll, keeping subs and suppliers paid, and finishing the work.
Situations we see often:
How Restructuring Works for a Construction Business
Restructuring is not a new loan and it is not bankruptcy. We contact each of your MCA lenders directly and negotiate to lower your payment burden — by reducing the total payoff, extending the timeline, or both. The aim is a payment structure that fits the reality of draw schedules and slow-paying generals.
You keep running your jobs the entire time. There is no court filing required to begin, no credit check, and no upfront fee. Many contractors come to us paying thousands a week across stacked advances and leave with a single, manageable payment.
Don't Let MCA Debt Stall Your Jobs
When an MCA company escalates to a lawsuit or a frozen bank account, the damage in construction is immediate — you can't make payroll, pay a supplier, or mobilize for the next phase, and a stalled job can put your whole pipeline at risk. That is why waiting is so costly in this trade.
If you are already behind, or a lender is threatening legal action, reach out now rather than later. The earlier we get involved, the more options are usually still available to keep your crews working and your jobs on schedule.
“I had three advances draining my account every day while my biggest GC was sitting on a six-figure draw. I couldn't make payroll. Restructuring those payments kept my crews on the job.”
— General contractor
See What You Could Save
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Frequently Asked Questions
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Results vary based on your lenders, balances, and individual circumstances. Rapid Restructure is a debt-restructuring service, not a law firm, and does not provide legal, tax, bankruptcy, or credit-repair advice. Any figures shown — such as potential payment reductions or timelines — are illustrative examples, not guarantees of results. Information about state laws is general in nature, may change, and should not be relied upon as legal advice; consult a licensed attorney for guidance specific to your situation.