MCA debt relief for retail

Inventory gets bought months before it sells. When a season underperforms, the advance still takes its cut every day. We restructure the payments so you can restock and keep the doors open.

Why retailers end up here

If you answered yes to any of these, a consultation costs you nothing.

A slow season left you with inventory and no cash

Daily debits take sales before you can restock

Rent and supplier costs went up

You hold more than one merchant cash advance

You took a new advance to make payments on an existing one

Your card processor or marketplace was contacted about a UCC lien

A judgment has been filed, or your accounts are frozen

You want to avoid bankruptcy

Built around how retail sells

Retail cash flow peaks and dips with the calendar. We restructure payments to match your selling seasons instead of a flat daily debit.

Protecting your processor

UCC notices to processors or marketplaces get handled first so deposits keep flowing.

Protecting the factoring line

A UCC notice to your factor can shut off working capital overnight. We move on those first.

Seasonal forbearance

Relief through slow months, then restructured once sales return.

Supplier balances

Inventory supplier balances negotiated alongside the advances.