Financial Relief Option to Regain Control of Your Cash Flow

We have specialized debt relief partners who negotiate Marchant Cash Advance, SBA, and
Stacked-debt restructures for business owners who need real reductions, not another loan.
Smart, strategic debt resolution.


MCA debt restructuring is a customized financial solution that helps business owners reduce
high daily or weekly merchant cash advance (MCA) payments. Instead of replacing your debt,
restructuring works by negotiating better terms with your lenders, lowering payments and
outstanding balances, extending term timelines, and easing financial pressure quickly.


Attorney-managed debt resolution teams, with decades of experience, will renegotiate clients
existing creditor notes. Our partners have helped business owners who have daily ACH pulls,
UCC liens, default judgements, frozen accounts and personal guarantees on the line.


This program is tailored for those unable to meet their payment commitments to lenders due to
significant cash flow challenges and provides immediate relief without incurring new debt or
filing for bankruptcy.


Typical clients see a 40-60% improvement in daily cash flow once their MCA obligations
are restructured or resolved.

Who Is MCA Debt Restructuring For?

If high-cost daily repayments are draining your resources, crushing your cash flow, and holding you back, this tailored financial relief option is designed for business owners who:

  • Have existing MCA obligations that are unsustainable or stacked
  • Are already behind on payments and expecting to miss payments
  • Are experiencing hardship and cash flow strain
  • Have defaulted or are at risk of default on MCA obligations
  • Need an immediate, affordable solution without filing for bankruptcy
  • Have tried negotiating with lenders on their own, without success
  • Can’t pay themselves a salary and are falling behind on personal bills

Any business with a minimum of $30K up to $10M+ in combined MCA debt seeking structured resolution.

Types of MCA Debt We Work With

MCA debt restructuring programs are designed to help business owners manage a wide range of
merchant cash advance (MCA) challenges. Whether your debt is small or large, new or long-
standing, we can help you find a realistic path forward.

  • Multiple active MCAs are creating heavy repayment pressure
  • Stacked or defaulted MCAs
  • MCA loans with aggressive daily or weekly payment schedules
  • MCA debt combined with other high-cost business financing.

MCA Debt Refinancing

Replace High Cost MCA Debt with One Affordable Monthly Payment

MCA debt refinancing is a solution that helps business owners replace high cost MCA payments with one affordable FDIC Bank Term Loan. The goal is to simplify repayment, lower overall costs, and create steady cash flow for your business.

Instead of negotiating new terms with lenders, MCA refinancing fully replaces existing debt through a trusted FDIC insured lending partner. This creates a clean slate with one structured monthly payment designed to fit your budget and help you move forward with confidence.

Who Is MCA Debt Refinancing For?

MCA debt refinancing is designed for business owners who want to replace high-cost MCA
payments with one affordable monthly payment that supports steady cash flow. Through our
network of FDIC-insured banks, we help you refinance MCA balances into long-term financing
that brings clarity, stability, and peace of mind.
This program is a good fit for business owners who meet these qualifications:

  • At least one year in business
  • $100,000 or more in annual revenue
  • Positive net income
  • Minimum 640 credit score
  • 51% or more U.S. citizen or legal permanent resident ownership
  • Funding available up to $350,000.

No Minimum FICO or Collateral Required

Why Work with Eagle Bend Capital Financing?

Eagle Bend Capital Financing offers the financing you need, when conventional lending sources cannot. We work with trusted restructuring professionals and FDIC insured lending partners to help business owners regain financial stability and improve cash flow.

Get Started

If you would like to learn more about our MCA Debt Restructuring and Refinancing solutions, or any of our other product solutions, contact us today.