For five years, we operated as a lender in the unsecured finance space—better known as Merchant Cash Advances (MCAs). The money was expensive, but the model worked. Lenders, ourselves included, often disguise these products as 'purchases of future receivables' to sidestep usury laws. From the inside, I understood why the rates had to be high—defaults are frequent, and risk is costly.
By 2024, however, the industry had spiraled out of control. Competitors were charging 1.5 factor rates (a staggering 266% APR) and adding on 10% underwriting fees, all while making outrageous promises—like so-called 'lines of credit'—that they never intended, or were able, to deliver.
Recognizing the urgent need for cash flow recovery, we saw the writing on the wall early. At the beginning of 2024, we made a decisive shift: we switched sides. Having been a lender ourselves, we know exactly where their limits are when it comes to debt settlement—and we use that insider knowledge to fight for better outcomes for our clients.
Billing by the hour can lead to spiraling costs quickly, especially when seeking cash flow recovery solutions. Many firms require large upfront retainers with no guarantee of results, which can be concerning when dealing with debt settlement cases. Some may drag cases out by filing motions with irrelevant case law that are often rejected. They may claim that delays are to 'buy time' while you’re not paying, but fail to inform you that opposing counsel is billing their client during this period—those costs will likely be passed to you when you lose. In most cases involving Merchant Cash Advance lenders, they still win, and you can verify this yourself in UniCourt by looking up your current lender’s cases. Additionally, some attorneys have limited MCA-specific experience and treat these cases like general debt disputes, avoiding concrete settlement expectations. Ultimately, you take on the financial risk whether they succeed or not, and communication often goes through legal assistants or paralegals.
Flat retainer fee—no hourly billing for our cash flow recovery services. Fully refundable retainer if we don’t deliver on our debt settlement promises. Act quickly—contact lenders immediately after review using a limited POA. We provide realistic, achievable settlement timelines without hidden risks, utilizing our insider Merchant Cash Advance experience to target lender weaknesses and settlement tolerances. Our specialized MCA expertise comes from years inside the industry. We give you clear, data-backed settlement options after reviewing your file. We take the risk—if it’s not viable, you pay nothing. You work directly with experienced negotiators who understand lender psychology.
