MCA Settlement Structured payoff Logistics

Structured payoff for a logistics business

A logistics business faced an MCA collection dispute. We negotiated a structured payoff while independent counsel handled legal questions.

Old daily payment
$4,320/day
New daily payment
$1,480/day
Payment reduction
66%
Time to resolution
18 mo
01 · The Situation

MCA collection pressure

A Newark logistics operator faced an MCA collection dispute and pressure on operating cash flow.

02 · The Stack

Three positions. Three funder profiles. Three negotiation tracks.

Payment waterfall

Each position's daily cost, before and after settlement. The cyan portion is what the operator still pays; the gray on top is what came off the books.

$ / day $790/day $310/day MCA, pre-COJ judgment −61% $500/day $180/day MCA, secondary −65% $1,120/day $448/day Equipment loan, 6 trucks −60% $170/day $68/day Diesel + insurance vendor AP −60% TOTAL DAILY Before $2,580 After $1,006 SAVED $1,574 61% reduction
What you still pay Eliminated
MCA, pre-COJ judgment
COJ already filed
Old payment
$790/day
New payment
$310/day
% lower
61%
61% payment reduction
MCA, secondary
Still in active ACH
Old payment
$500/day
New payment
$180/day
% lower
65%
65% payment reduction
Equipment loan, 6 trucks
PROTECT, fleet collateral
Old payment
$1,120/day
New payment
$448/day
% lower
,
Diesel + insurance vendor AP
Trucks rolling
Old payment
$170/day
New payment
$68/day
% lower
,
03 · The Playbook

Financial negotiations and independent legal review

Our role was to negotiate a structured payoff of the underlying debt. Independent counsel handled legal questions directly with the business.

04 · The Outcome

A documented repayment plan

The engagement resulted in a structured settlement. This example focuses on the financial negotiations and repayment documentation.

Quick reference

Numbers at a glance

Original total debt
$4,320/day
Weekly payment before
$3,512/day
Total savings
$790,000
Reduction
66%
Duration
18 mo
Industry
Logistics

Names withheld for client privacy. Industry, location, and dollar figures are accurate. Past results do not guarantee future outcomes, every engagement is fact-specific. Delancey Street is not a law firm.

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