Merchant Cash Advance Debt Relief
Stop the pressure. Save the business.
Strategic business relief designed to actually work.
Over 16 YEARS experience and 13,000 + Clients Helped. We restructure Merchant Cash Advances,and stacked business debt — including the high-lien-exposure files boutique firms refuse to touch.
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Tell us what you are dealing with and a specialist will reach out to discuss your options.
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Daily and Weekly Payments Are Draining Your Business
When multiple lenders are pulling from your account, there is no room to breathe. The pressure compounds fast—and cash flow becomes harder to manage week after week.
Merchant cash advance payment relief
High-frequency payment restructuring
Multiple lender consolidation into one plan
Predictable weekly payment structure
The Shift
From Daily Chaos to Weekly Stability
Before
After
What we handle
From single MCA positions to complex stacked scenarios, we create structured paths forward.
Merchant Cash Advances
High-frequency withdrawals, stacked positions, aggressive collection pressure, and fast-moving defaults.
Business Loans
Short-term business debt crushing working capital and creating impossible repayment schedules.
Lines of Credit
Overextended facilities and revolving debt that have become expensive and unpredictable.
Stacked Debt
When multiple lenders are taking from the same cash flow, we help create a sustainable path.
Four moves. One outcome.
When stacked MCA payments start draining your cash flow, hesitation costs money. Creditors Relief was built for business owners who need a serious, strategic response—not generic advice, not guesswork, and not another funding product disguised as a solution. Our team analyzes your MCA obligations, identifies where the pressure is coming from, and works to restructure your payments into a plan your business can actually sustain. We deal with lenders, negotiate from experience, and push toward faster, more efficient resolutions designed to protect your cash flow and give you room to operate. This is what Creditors Relief does best: we help business owners regain control when MCA payments have become unmanageable.
Triage
Senior strategist reviews every contract, lien, and lender position. Free, confidential, no obligation.
Negotiate
We engage every funder directly — including UCC-secured and stacked positions other firms reject.
Restructure
Daily/weekly draws stop. Balances are reduced. One affordable plan replaces the chaos.
Resolve
We work files to settlement. Cash flow returns. The business operates again.
How much pressure are your advances really putting on the business?
Enter three numbers and see your MCA burden, your risk level, and where your cash flow is most exposed. Free, instant, and nothing is stored.
Client case studies
Real results from businesses that partnered with Creditors Relief to find real relief.
Behavioral Health
Behavioral Health Services
92%
Reduction
A behavioral health company was being drained by $421/day in MCA payments — over $9,100/month. Revenue had plummeted 50%. Within three weeks, the team secured a settlement: $9,000 payable at $750/month for 12 months. The business continued providing critical services to its community.
Enrolled debt
$9,100+/mo
Positions
240 daily ACH debits
Outcome
$750/mo (92% less)
Electrical Services
Electrical Contractor
64%
Reduction
A licensed electrician with three employees took an MCA advance to fund a FEMA hurricane relief contract — the pay was far less than promised. The remaining MCAs were just to keep the lights on. All four debts totaling $74,903 were settled and renegotiated for additional savings. The largest debt ($33,936) was settled at $20,572 — 39% off. One lender's weekly payment dropped from $1,155 to $419 — a 64% reduction.
Enrolled debt
$74,903 across 4 lenders
Positions
4 stacked MCAs
Outcome
All 4 settled, 64% payment reduction
Restaurant
Restaurant — Delivery Income Frozen, Liens Released, 31% Off
31%
Reduction
A restaurant owner had to close his second location. Lenders placed UCC liens on his Stripe account, freezing all DoorDash, Uber Eats, and GrubHub revenue. Revenue dropped from $15K/week to $8K/week. The bank account was negative $545 at default. His wife handles all communications — every call, every email, every fight with the lenders. The first debt (Lendini, $28,690) was settled for $19,743 within three weeks — a 31% reduction — and the remaining balance was later renegotiated to a $2,500 lump sum. The Stripe liens were released, restoring delivery platform income. The second debt (Lendocity, $11,851) was restructured through negotiation. Both resolved — the restaurant survived.
Enrolled debt
$28,690 OWED (largest)
Positions
Stripe liens froze DoorDash, Uber Eats & GrubHub revenue
Outcome
Settled: $19,743 (31% off) + liens lifted
Collision Repair
Auto Body Shop
75%
Reduction
A collision repair shop with six employees was paying $4,500/week on a refinanced MCA. The lender filed a complaint and threatened UCC liens. Despite refusing to work with settlement companies, the legal team negotiated a Stipulation of Settlement: 104 weekly payments of $1,137.84. The lawsuit was discontinued.
Enrolled debt
$4,500/wk ($18,000/mo)
Positions
Refinanced MCA
Outcome
$1,137/wk (75% less)
Rikki Cottrell — Director of Intake, Creditors Relief
I've spent 17 years in debt relief — starting on the consumer side in 2008, then moving into business debt and merchant cash advances in 2015. In that time I've seen how this industry really works, and I'll be honest: a lot of it isn't built with the business owner in mind.
A good deal of the "help" out there comes from the funding world — companies whose real business is putting owners into advances, not getting them out — or from programs where most of your early payments go straight to their own fees before a dollar ever reaches your lenders. That's not relief. It's a new problem wearing a friendlier name.
We built Creditors Relief to be the opposite. I have a team of professionals beside me, and merchant cash advance relief is the only thing we do — all day, every day. We're not funders and we're not here to sell you your next advance; our entire focus is getting business owners out from under the debt they already carry. That's why our process is built so the majority of your program payments go toward actually resolving your balances with your lenders — not toward paying us to wait.
I got into this work because owners who are in trouble deserve someone in their corner who genuinely wants to help. All these years later, that's still exactly why we're here.
Boutique firms cherry-pick. We take the file.
Other shops walk from complex liens, stacked positions, and aggressive funders. We've spent over 16 years building the playbook for exactly those situations.
What our clients say
Real experiences from business owners who found a better path forward.
Already a client? We're here.
Get help with your account, documents, or urgent situations.
Account Support
Payment questions, account updates, settlement progress.
Urgent Assistance
Time-sensitive lender issues, legal notices, or escalations.
Before you sign another MCA, ask yourself this.
A second opinion costs nothing. The wrong agreement can cost you everything.
What am I really paying back?
The number they quote you is never the number that leaves your account.
How often do they hit my account?
Daily debits don't pause for slow weeks, holidays, or emergencies.
What happens when sales dip?
If the payment doesn't move when your revenue does, you absorb the whole hit.
Did I just sign away my right to fight back?
A confession of judgment can let them win in court before you even know you've been sued.
Can they freeze what my customers owe me?
A UCC lien can tie up your receivables — the cash you're counting on to survive.
Will the payment actually shrink if my revenue drops?
With no real reconciliation clause, "flexible" is just a sales pitch.
Am I fixing this — or feeding it?
Another advance to cover the last one isn't a lifeline. It's the next debit.
Not sure how to answer these? Get a free second opinion before you sign — not after.
Signs your MCA payments are no longer sustainable
If any of these sound familiar, your business is already operating under MCA pressure that won't fix itself.
Daily or weekly withdrawals are affecting payroll.
You are using new funding to cover old funding.
Your business account is constantly short.
You are avoiding calls from funders.
You have received UCC lien notices or legal threats.
You are considering another advance just to stay current.
Common questions
Quick answers about the program, process, and partnership opportunities.
Why business owners choose Creditors Relief
Why owners choose us over another advance — or a generic debt mill. Same problem, three very different outcomes. Here's what actually sets our process apart.
Creditors Relief
We work the file, not the waiting room.
- ✓Engages your funders immediately — day one
- ✓Fee built into your reduced plan
- ✓Contingency plans if things shift
- ✓Built for heavily stacked files
- ✓16+ years, commercial MCA only
Another MCA advance
Cash today, a deeper hole tomorrow.
- ✕Adds another daily debit
- ✕More fees and factor cost on top
- ✕No plan past the next advance
Generic debt company
Collects first, acts late.
- ✕Slow to engage your funders
- ✕Collects payments while little gets settled
- ✕Kicks you out the moment you stumble — no flexibility
- ✕Delay invites avoidable lawsuits and judgments
The full breakdown
We are not here to put another advance on your books. We are here to help you take control of the advances already draining your business.
Partner with Creditors Relief
ISOs, brokers, and referral partners — offer your merchants a real solution.
Add a real solution for merchants who no longer qualify for funding.
Strengthen trust by helping clients beyond the decline.
Create a new referral revenue opportunity.
Give merchants a better path than another short-term stopgap.
Work with a team focused on communication, transparency, and outcomes.
Who this is built for:
Partner inquiry
By clicking the button above and submitting this form, I provide my signature expressly consenting to contact from Creditors Relief LLC or its subsidiaries, affiliates, or agents at the number I provided regarding products or services via live, autodialed or prerecorded telephone call, text message (SMS/MMS), or email. I understand my consent is not required to purchase and that I can revoke my consent at any time. I also agree to the Terms of Service and Privacy Policy. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of SMS messages.
An honest approach to business debt relief.
Whether you're drowning in daily withdrawals or just exploring options, your first step is a free, no-pressure conversation.