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How it works

From a stack of MCAs to one manageable payment

Five steps from your first call to one MCA payment plan. You see everything in writing before you commit, and you can walk away at any point before you sign.

Start my review or call (844) 94-UNIFY
  1. 1

    Free MCA review

    Call us or answer a few questions online. We ask about each MCA: who the funder is, about how much is left, and how much they debit and how often. Rough numbers are fine at this stage.

    You'll need
    A rough idea of your MCA balances and debits
    Time
    About 5 minutes online, or one short call
  2. 2

    MCA agreement and cash-flow review

    Your specialist collects your recent bank statements and each MCA agreement. We go through the terms, the real balances and the debit schedules with attorneys from our independent law-firm partners, and look at what your business actually brings in each week.

    You'll need
    3 months of business bank statements, your MCA agreements, and any letters or court papers from MCA funders
    Time
    Usually a few business days once we have your documents
  3. 3

    Your plan, in writing

    We lay out which MCAs go into the plan, a proposed manageable payment, the full program fee, and the trade-offs, including what could happen with your business credit and how your MCA funders may respond.

    Your decision
    Sign, ask more questions, or walk away. The review costs nothing either way.
    Time
    As long as you need
  4. 4

    We work with your MCA funders

    Once you enroll, MCA funders deal with us instead of you. We negotiate toward restructured terms for each MCA in the plan and keep you updated as each one moves.

    Who talks to MCA funders
    Your Unify team and, where needed, our attorney partners
    Time
    Starts right after you enroll; settlement times vary by funder
  5. 5

    One manageable payment

    Instead of separate MCA debits on separate schedules, you make one manageable program payment, sized to your cash flow. Your specialist stays on the file until the plan is complete.

    You'll have
    One payment, one schedule, one person to call
    Time
    For the length of your plan

Who does what

Three parties, one plan

You

  • Share statements and agreements
  • Approve the plan before anything starts
  • Make one manageable program payment

Your Unify specialist

  • Builds your plan from your real cash flow
  • Handles day-to-day MCA funder contact
  • Keeps you updated on every MCA

Attorney partners

  • Review your MCA agreements
  • Lead negotiations where needed
  • Respond if an MCA funder takes legal action

If an MCA funder takes action

Some MCA funders go to court, use a confession of judgment, or file a UCC lien against business assets. It's stressful, and it's also something our attorney partners deal with regularly.

If you're enrolled and an MCA funder takes legal action, tell your specialist right away and send us any papers you receive. The attorneys handle the response and talk you through what it means for your plan.

  • LawsuitAn MCA funder asks a court to order payment of what it says you owe.
  • Confession of judgmentA clause in some MCA agreements that lets the funder get a judgment without a full court case. Several states now limit them.
  • UCC lienA public filing that claims an MCA funder's interest in business assets or receivables.

Our promises

What you can hold us to

  • Every fee in writingYou see the program fee next to the proposed payment before you sign anything.
  • One specialistThe same person from your first call to your last payment.
  • Straight answers on riskWe explain what can happen with your credit and your MCA funders before you enroll, not after.
  • A clear noIf we can't help, we say so on the first call and point you somewhere better.

Your next step

One call. Every MCA on the table.

Start your free MCA review online in about five minutes, or talk it through with an MCA specialist now.

Start my MCA review (844) 94-UNIFY