MCA relief built for medical & dental practices.
You bill insurance and wait 90 days. The funder waits zero. We pause the debits, cut the balances, and keep it completely discreet. All 50 states.
Why MCAs hit Medical & Dental Practices harder.
Insurance pays in 60-90 days
Insurance crawls, the funder sprints. Your cash flow flips upside down fast.
Equipment loans + MCA stack
Scanner lease, buildout loan, bridge advance - congratulations, it’s a pile now.
Your license, their leverage
That personal guarantee reaches past the practice. We make sure it stays theoretical.
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 practice 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 practice MCA agreements.
Assignment clauses that touch insurance receivables
Default triggers tied to a single bounced ACH
Reconciliation clauses funders quietly refuse to honor
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 practice files.
Dental practice - California
From owners who were right where you are.
“Between reimbursement lag and two advances, we were underwater. They restructured everything into one plan.”
“Reimbursements finally cover the practice instead of the funders.”
“Discreet, fast, and the staff never knew a thing.”
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.
Practice owners ask us.
Insurance pays in 60-90 days. Can payments wait too?
We restructure obligations around your reimbursement cycle instead of daily pulls.
Will this touch my license or credentialing?
We work to resolve balances before judgments or liens create licensing complications.
Can you keep this confidential from staff and patients?
Yes. We deal only with your funders. Your team and patients see nothing.
What do you need from me to start?
Funding agreements and 3-4 months of bank statements - the review is free.
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.