Merchant Cash Advance Help For Business Owners
Daily ACH is eating the business. We help you get out.
The daily ACH does not wait for a good week. It hits, it clears, and whatever is left is what you run the business on. Payroll Friday becomes a question. Vendors wait. You watch the account before you watch the work.
A second advance looks like relief until it is another debit on top of the first. Then a UCC-1. Then a personal guarantee you signed because the money had to hit that afternoon. Stacking is not a plan. It is a trap.
Refinance first. Negotiate if you cannot. Prepare a legal option with licensed counsel if the funder will not cooperate.
The stack is the trap
One merchant cash advance can be expensive. A stack is what takes the business. Each new advance services the last one. Each UCC-1 makes the next conversation tighter. Each personal guarantee makes walking away a fiction.
- Watching daily ACH clear before you can cover payroll Friday
- Using a new advance to service an old one
- Sitting on one or more UCC-1 filings against the business
- Personally guaranteed on contracts you signed because the money had to hit that afternoon
- One missed debit away from default language you did not read the first time
The trap is not one bad afternoon. The trap is the stack: daily ACH first in line, liens on the company, and a guarantee on the owner. We work that file in order — refinance, negotiate, then legal-path prep with licensed counsel if the funder will not move.
Three moves. In this order.
We do not start with a threat letter. We start with options that can leave the business standing.
Refinance
We start with capital markets. If the stack can be refinanced into a facility the business can actually service, that is the first move. The goal is a payment cash flow can hold — not another short-term debit on top of the last one.
Negotiate
If refinance is not on the table, we work the file with the funder. That means the real numbers: advances, remaining balances, ACH, UCC position, and what “done” has to look like for the owner. We are not a settlement company. We do not hold client funds.
Legal-path prep
If the funder will not cooperate, the next step is not a threat letter from a call center. It is a file licensed counsel can actually use. We are not a law firm and we do not provide legal advice. When a file needs counsel, we say so and help you prepare to work with them.
Who this is for — and who it is not
This is for you if:
- You are a US business owner watching daily ACH crowd out payroll and operations
- You have one or more merchant cash advances, often stacked
- There is a UCC-1 on the business, a personal guarantee, or both
- You want a consulting firm on the file — refinance first, then negotiation, then legal-path prep if needed
This is not for:
- Consumer debt or owners outside the United States
- Anyone looking for a debt settlement company, escrow, or a firm to hold funds
- Anyone looking for legal advice from us — we are not a law firm
- Owners who want another advance stacked on the last one
The Firm
A consulting firm that works the file.
St. Germain Strategy is a consulting firm, not a one-person shop and not a call center. You get a dedicated team on the file: capital markets, cash-flow, and negotiation, with licensed counsel brought in when the path is legal.
We were built by operators who have sat in the owner's chair: cash tight, payroll due, lenders calling, and a decision that has to be right the first time.
The work is still hands-on. The standard is a file that can actually move — refinance package, negotiation file, or a legal-path brief that counsel can use. You stay the owner. You stay in control of the money.
Put the file on the table
Daily ACH does not get kinder because you wait. Stacking does not get cheaper. A UCC lien does not expire because you had a good weekend of sales. If you want out, the next step is a conversation about the real file: the advances, the debits, the liens, the guarantee, and what 'done' has to look like for you.
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