Negotiating payments the business can actually carry
When the daily debits are more than the business can carry
Many businesses end up with several merchant cash advances at once, each taking daily or weekly payments. When sales slow, those payments can consume the cash the business needs to operate. Negotiating from a position of legal strength often produces better terms than calling funders one by one.
How we approach negotiations
- We review every agreement for reconciliation rights, usury issues and fee problems before we talk numbers. See MCA lawsuit defense.
- We communicate with funders and their lawyers so the owner can focus on running the business.
- We look for reduced payoffs, lower payments tied to actual receipts, releases of personal guaranties, and removal of UCC filings and judgments as part of any deal.
- If a funder has already frozen funds, we can pursue emergency relief while talks continue.
When settlement is not the answer
Some funders will not negotiate reasonably. In those cases we defend the lawsuit, move to vacate improper judgments, or discuss whether bankruptcy is the better path for the business or its owner.
Frequently asked questions
Should I stop paying my merchant cash advance?
Do not stop payments before speaking with a lawyer. Stopping can trigger default claims, confessions of judgment and account freezes. We can explain your options first.
Can you negotiate with several funders at once?
Yes. We often handle several funders for the same business so the terms work together.