MCA relief built for e-commerce.
Every dollar they pull is ad spend and inventory you don’t have. We pause the debits, cut the balances, and get you scaling again. All 50 states.
Why MCAs hit E-commerce harder.
Ad spend paused, growth stalled
Every dollar they pull is inventory you didn’t buy and ads you didn’t run.
Platform holds + daily debits
The marketplace freezes your payout while the ACH keeps right on pulling. Fun combo.
Borrowed for stock, stuck in the spiral
Borrow for stock, get debited, borrow for stock again. See the loop? So do we.
What could your payment look like?
Three steps to breathing room.
Free review
Shoot us your agreements and a few months of statements. Same day, we tell you exactly where you stand - every position, every payoff, no sugarcoating.
We take over the funders
From here, the funders talk to us, not you. Draws get paused, reconciliation gets enforced, balances get negotiated down. You go run your business.
One plan you can live with
The whole stack becomes one payment that actually fits your revenue. Not a fantasy number - one you can live with.
What actually happens after you call.
Nobody enjoys calling a debt company. So here’s the play-by-play, straight up - what e-commerce founders can expect from day one.
You call, we look
Send the agreements and 3-4 months of bank statements. Same day, a senior advisor maps every position and tells you what’s actually possible. No script, no runaround.
We step in front
Letters of representation go out to every funder. We prep you for the phone calls - who’s going to call, what they’ll say, and why you don’t have to pick up.
The bleeding slows
We push for draw pauses and reductions and log every funder contact. You get a check-in call, then your first written progress report by day 7.
We grind them down
Reconciliation rights, hardship docs, settlement proposals - the leverage gets used. Status calls that actually say something: what we did, what they said, what’s next.
One plan, your plan
Settlements and restructures roll into a single payment sized to your real revenue. Month-one summary in writing, and you know exactly what month two looks like.
What our legal network flags in e-commerce MCA agreements.
Reserve and payout assignments on marketplace accounts
Cross-default language that trips every position at once
Confessions of Judgment buried in the addendum
Your options, side by side.
| Keep paying | Take another advance | Bankruptcy | Settle and restructure | |
|---|---|---|---|---|
| Daily debits | They keep hitting | They hit harder | They stop - through court | Paused or cut while we negotiate |
| True cost | Full balance plus fees | Compounds - fast | Legal fees + years of fallout | One flat % fee, quoted up front |
| Credit and standing | Slowly erodes | More UCCs pile on | Public record for years | Contained and private |
| Business survival | Cash starves the operation | The spiral gets deeper | Often ends in liquidation | The whole point is keeping you open |
| Timeline | Forever | A few months of relief, then worse | Often 1-3 years | Weeks to months, usually |
Grab these first.
Every funding agreement - including the addendums they rushed you through
Your last 3-4 months of business bank statements
Anything scary that came in the mail - payoff letters, default notices, COJ or UCC filings
A ballpark of monthly revenue - napkin math is fine
See if you qualify.
Typical e-commerce files.
DTC brand - remote
From owners who were right where you are.
“Two advances were consuming our margin. Settled both, kept the brand, scaled back profitably.”
“Ad spend went back to ads instead of feeding the stack.”
“They handled a marketplace reserve freeze and the funders at the same time.”
The words funders hope you never look up.
The slice of revenue an MCA is actually supposed to take. Reconciliation is measured against this number - remember it.
The clause that says payments should match your real revenue. Funders conveniently forget it exists. We remind them.
Multiple advances feeding off the same revenue. Every new position makes the older ones shakier - and more negotiable.
A judgment you signed before anything went wrong. If one gets filed, hours matter - not weeks.
A public flag on your assets or receivables. Banks see it. Suppliers see it. That’s the point.
The line that makes the business’s problem your problem. It changes the strategy from day one.
E-commerce founders ask us.
A marketplace froze my payouts. Can you still help?
Yes - we’ve worked files where platform reserves and daily debits collide. Speed matters.
Revenue swings with ad performance. Do debits have to be fixed?
No. We push funders to honor reconciliation and match payments to actual sales.
Can I keep buying inventory during negotiations?
That’s the goal - free the cash flow so the business keeps operating while we settle.
Is my brand name kept out of it?
Yes. Confidential, funder-side only.
Related resources.
How MCA Settlement Works
Read →UCC Lien Against You: What to Do
Read →Defaulting on an MCA: Real Consequences
Read →Reconciliation Shield™
Read →We speak your industry.
Be the boss again.
One call. Flat fee, quoted up front. Nobody pressures you. You just finally get straight answers.