Merchant cash advance debt relief that starts with getting you out

Why a merchant cash advance is not a normal loan

Daily ACH takes first claim on the account. It hits, it clears, and whatever is left is what you run the business on. Payroll Friday becomes a question.

A UCC-1 filing sits against the business. A personal guarantee sits on the owner — often signed because the money had to hit that afternoon. Then a second advance looks like relief until it is another debit on top of the first. That is stacking. Stacking is not a plan. It is a trap.

That is why MCA debt relief is not consumer debt relief and not a normal loan refinance slogan. It is a file. Read stacked merchant cash advances and how we work an MCA file.

What relief should mean

If "relief" is another advance, it is not relief. Relief, on this site, means:

• The MCA is gone, or the payment is one the cash flow can live with
• A UCC-3 where that is part of the deal
• A personal guarantee release where that is part of the deal
• No new stack to service the old one

Three steps. In this order.

We do not start with a threat letter. We start with options that can leave the business standing.

Refinance or consolidate first. If the stack can be replaced with a facility the business can actually service, that is the first move. See refinance a merchant cash advance.

Negotiate a reduced payment or payout if you cannot. If refinance is not on the table, we work the file with the funder. We are not a settlement company. We do not hold client funds. See negotiate a merchant cash advance.

Prepare a legal option with licensed counsel if the funder will not cooperate. We are not a law firm and we do not provide legal advice. We do not file. We do not stop ACH as the actor. We do not promise a percentage. When a file needs counsel, we will say so. See how to get out of a merchant cash advance.

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

When to call a lawyer today

If you have been served, if the account is frozen, or if there is a confession of judgment, that is a lawyer today. We are not a law firm. We will say so and help you prepare to work with licensed counsel. Do not wait on a refinance conversation to handle a frozen account.

What done looks like

Done is the MCA gone or a livable payment, the lien treated as part of the deal, the guarantee treated as part of the deal, and no new stack. You stay the owner. You stay in control of the money. That is also how we describe done on how we work a file and business debt relief.

Hypothetical illustration

Example, not a result. A US owner with more than one advance. Daily ACH clears before payroll. A UCC-1 is on the business. A personal guarantee is on the owner. Diagnosis maps the cash, the stack, the contracts, and the UCC. If takeout exists, refinance or consolidate is first. If it does not, a negotiation file for a reduced payment or a payout. If the funder will not cooperate, legal-path prep with licensed counsel. This is an illustration of the sequence. It is not a result, not a promise, and not a claim about what your funder will do.

The cost of doing nothing

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.

A consulting firm, not a mill

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 are not a debt settlement mill. We do not hold client funds. We do not take escrow. Read about the firm.

The first conversation

Put the file on the table: the advances, the debits, the liens, the guarantee, and what done has to look like. US business owners only.

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