Merchant Cash Advance Debt Relief
Stop the pressure. Save the business.
Strategic business relief designed to actually work.
Over 16 YEARS experience and Over $1 BILLION settled. We restructure Merchant Cash Advances,and stacked business debt — including the high-lien-exposure files boutique firms refuse to touch.
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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.
See your potential savings
Use the estimator to explore what restructured payments could look like for your business.
Interactive Tool
Payment Estimator
Estimated new weekly
$300
Your projected payment
This is what you save
$700/wk
Potential 70% reduction in weekly obligations
Recent settlement spotlight
Construction Company
Enrolled debt
$89,019
Outcome
Settled at $60,632 — $1,010.54/wk
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, and moving into business debt and merchant cash advance work in 2015. In that time, I've seen how this industry really operates; and most of it isn't pretty.
Most competitors structure their programs so a majority — sometimes 100% — of a client's early payments go straight to their own fees. That's not relief. That's a different problem wearing a friendlier name.
At Creditors Relief, we built our process around the opposite principle: the majority of your program payments go toward actually resolving your debt with your lenders. That's the difference, and it's the reason our clients see real movement instead of just paying us to wait.
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.
"I had a great experience working with Credit Relief, especially Michele and Kim. They provided clear guidance, communicated consistently, and made what felt like an overwhelming process much more manageable. Their level of expertise and attention to detail really stood out. If you're looking for a team that is efficient, responsive, and genuinely committed to helping you improve your financial situation, I highly recommend Credit Relief."
Joycelynn Marshall
Google Review
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Account Support
Payment questions, account updates, settlement progress.
Urgent Assistance
Time-sensitive lender issues, legal notices, or escalations.
Live Chat
Chat with a team member in real time for immediate help.
Before you sign another MCA, ask these questions
A second opinion costs nothing. Signing the wrong agreement can cost everything.
What is the true cost of the advance?
How often will payments be withdrawn?
What happens if sales slow down?
Is there a confession of judgment?
Will a UCC lien be filed?
Can payments be reconciled if revenue drops?
Am I solving the problem or stacking more pressure?
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
A side-by-side look at how our approach compares to taking on more funding or working with a generic debt company.
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.
A better 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.