MCA relief built for gyms & fitness studios.
January money, July debits - that math was never going to work. We pause the draws, cut the balances, and your members never know. All 50 states.
Why MCAs hit Gyms & Fitness Studios harder.
January revenue, July debits
January is a gold rush. July is a ghost town. The daily draw doesn’t know the difference.
Equipment leases stack with advances
Treadmill leases, buildout, then an MCA to bridge it all - the pile compounds fast.
Churn drops revenue, not payments
Members cancel and the debit doesn’t budge. Your contract probably says it should.
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 gym owners 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 gym MCA agreements.
ACH authorizations that ignore membership seasonality
Personal guarantees that reach past the business entity
Default triggers tied to a single bounced ACH
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 gym files.
Fitness studio - Arizona
From owners who were right where you are.
“They consolidated two positions and cut our weekly outflow 60%. We stayed open and rebuilt.”
“Summer slump stopped meaning panic. The plan finally fits our seasonality.”
“Two equipment-driven advances settled while we kept every member.”
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.
Gym owners ask us.
Membership churn dropped revenue. Can payments drop too?
Often yes - reconciliation rights exist to match payments to revenue. We enforce them.
Can you work around my equipment leases?
Yes. We restructure MCA obligations around leases rather than on top of them.
Will members or staff see anything?
No. The process is invisible to your members.
When could I see relief?
Draw reductions often happen within days; settlements take longer, file by file.
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.