MCA debt relief for business owners
Too many MCA debits? Unify them.
We immediately lower your MCA payments into one manageable payment, then work with each funder toward terms your cash flow can carry.
How it works
Four steps. You decide at every one.
Day one
Talk to a specialist
Call us or start the online review. Tell us which funders you owe, roughly how much, and how often each one debits.
The first week
We review every MCA agreement
Send recent bank statements and your MCA agreements. We go through terms, balances and debit schedules with our attorney partners.
Before you commit
See your plan in writing
A proposed manageable payment, the program fee and the trade-offs, on paper. Nothing starts until you sign.
Once you enroll
One manageable payment
Your funders deal with us. We negotiate toward restructured terms and keep you posted at every step.
Why MCA stacks get heavy
Each MCA made sense the day you signed it.
Together they take the first cut of every sale.
Debits come first.
Funders pull from your account before payroll, rent and suppliers get paid.
Every funder keeps its own clock.
Daily here, weekly there, so the account never gets a clean week.
New MCAs cover old ones.
Each one adds another debit to the pile and pushes the problem forward.
What changes
From a stack of schedules to one plan.
Each MCA keeps its own funder, balance and debit schedule. We bring them into one plan with one manageable payment.
Today
Your MCA stack
- Several funders debiting on their own schedules
- Calls and emails from each funder when a payment misses
- MCA agreements nobody has read closely since the day they were signed
- No single number for what the business owes across all its MCAs
With Unify
One plan
- One manageable payment on one schedule
- Funder contact handled for you once you enroll
- Every MCA agreement reviewed, with the findings explained in plain language
- One specialist who knows your file and picks up when you call
Who we work with
Built for owners carrying more than one MCA.
You're a fit if you have
- A U.S. business with one or more merchant cash advances (MCAs) or other unsecured business financing
- $25,000 or more owed across your MCAs
- Ownership of the business, or the authority to speak for it
$25,000+
owed across your MCAs. Our programs usually start here.
Owners we hear from most
- Restaurants and food service
- Trucking and logistics
- Construction and trades
- Retail shops
- Auto repair
- Medical and dental practices
- Salons and spas
- Manufacturing
- Wholesale and distribution
- Cleaning services
- Print and sign shops
- Professional services
Not a fit
Personal or consumer debt, credit cards in your own name, or anyone looking for a new MCA or loan. Unify doesn't lend money.
What it costs
Every fee, on paper, before you sign.
If a plan makes sense, you see the full program fee in writing next to the proposed payment, so you can weigh one against the other.
- Your review
- Free
- Call or online. No credit check.
- Program fee
- In writing
- A flat fee plus a fee based on the savings we negotiate, quoted before you sign.
- Your obligation
- None
- Until you sign a program agreement.
If we can't help, we'll say so on the first call and point you toward options that fit better.
Questions
What owners ask about MCA relief.
Will this hurt my credit?
The review doesn't touch your credit. During a program, changes to how your MCAs are paid can show up on your business credit. We walk you through those trade-offs before you enroll.
Can an MCA funder sue me?
Yes, MCA funders can take legal action. If one files suit, uses a confession of judgment or files a UCC lien, attorneys from our independent law-firm partners handle the response.
Is this another MCA or a loan?
No. Unify doesn't lend money or offer new MCAs, and the review isn't a credit application. We help restructure what your business already owes.
I have five MCAs. Can you still help?
Yes. Every MCA you hold goes into the same plan, whether that's two or five, so you deal with one schedule instead of several.
What if you can't help?
We'll tell you on the first call and point you to the options that fit better, including a referral to bankruptcy counsel when that's the right path.
How long does it take?
Your free review includes a rough estimate of how long your plan will run. Negotiations start right after you enroll, and settlement times vary by funder.
Your next step
One call. Every MCA on the table.
Start your free review here, or talk it through with a specialist now.
- A specialist calls you, usually the same business day.
- We review your MCA agreements and recent statements.
- You get a plan in writing, with every fee, before you decide.
Monday to Friday, 9 a.m. to 5 p.m. Eastern
Thanks. A specialist will call you soon.
Usually the same business day. Have your recent bank statements and MCA agreements handy.
Answer a few more questions to speed things up