Business Debt Relief
Business debt relief when the payments are running the company
When the payments are running the company, it is rarely one line. Daily ACH from a merchant cash advance. A short-term loan on top of it. Cards at the limit. Vendors waiting because the operating account clears the debit first. That is a file, not a slogan.
The MCA piece of that file is its own pillar: MCA debt relief. How we work any of it is the same sequence: how we work a file.
Related: How we work a file · MCA debt relief
The same three steps
Refinance first. If the stack can be taken out into a payment the cash flow can hold, that is the first move. Another short-term product that services the last one is not relief. Refinance a merchant cash advance.
Negotiate if you cannot. A hardship file, not panic. Negotiate from a file.
Legal-path prep if they will not cooperate. We are not a law firm. Served, frozen, or a confession of judgment is a lawyer today. How to get out of a merchant cash advance.
Refinance vs negotiate vs legal restructure vs bankruptcy
| Path | What it is | What it is not |
|---|---|---|
| Refinance | Take-out into a facility the business can service. Kill the daily debit if that is the problem. | Another MCA or short-term stack labeled consolidation. |
| Negotiate | A reduced payment or a defined payout from a hardship file. Close docs that match done. | A mill. Escrow. A firm that holds your funds. |
| Legal restructure | A file licensed counsel can use when the funder will not move, or when you have been served, frozen, or hit with a COJ. | Us filing. Us stopping ACH as the actor. Legal advice from a consulting firm. |
| Bankruptcy | A legal path counsel decides. See MCA vs bankruptcy for tradeoffs, not filing advice. | A consulting product. We do not file. We do not file Chapter 11. |
More on the MCA-crisis angle: settlement vs consolidation, MCA vs bankruptcy, stacked advances, and daily ACH.
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Put the payments on the table: MCA, short-term, cards, vendors, and what done has to look like. US owners only.
St. Germain Strategy is an advisory firm. We are not a law firm, we do not provide legal advice, and we are not a debt settlement company. We do not hold client funds. When a file needs licensed counsel, we will say so and help you prepare to work with them.
