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New Program · April 2026 Industry-First

The Reconciliation Shield™

Lower your MCA payment before you default — by enforcing the reconciliation clause already written into your funder’s own contract.

Check My Eligibility 212-210-1851
14–30
Days to restructured terms
40%
Avg. daily payment reduction
50
States · attorney network
$100M+
Lifetime debt resolved
The Trap

The MCA Silent
Squeeze.

Your MCA was sized to a busy month. Then revenue dipped — but the daily ACH didn’t. Each week the funder takes a bigger share of a smaller deposit, until there’s nothing left for payroll, rent, or inventory.

The reconciliation clause was supposed to prevent exactly this. It almost never gets invoked.

Anonymized client · 6 months
Daily debit as % of deposits
Deposits ACH debit
Without intervention, the daily debit absorbs 60%+ of deposits by month 5 — and the merchant defaults shortly after.
How the Shield works

Four stages.
Written plan.

We don't ask you to stop paying or to lie to your funder. We use the funder's own contract to recalibrate the daily debit to your actual receivables — in writing, with attorney oversight from day one.

01

Receivables analysis

We pull bank deposits and AR against your projected volume — the exact data your reconciliation clause requires. Typically 24–48 hours.

You receive
  • Bank statement audit
  • Receivables vs. projection delta
  • Per-funder exposure map
02

Reconciliation demand

A formal, contract-grounded letter to each funder invoking the true-up provision in the MCA you signed. Sent on Delancey letterhead.

You receive
  • Demand letter (per funder)
  • Supporting financials package
  • Tracked delivery + response window
03

Funder negotiation

When funders ignore or push back, an affiliated attorney from our network escalates with the same playbook — now under attorney signature.

You receive
  • Direct funder negotiations
  • Counter-proposals reviewed
  • Legal escalation if refused
04

Restructured terms

A new daily or weekly remittance schedule that matches actual receivables, in writing, before you ever miss a payment.

You receive
  • Signed amendment
  • New ACH schedule
  • Ongoing monitoring
Steven M. Raiser, Esq.
Legal Oversight

Every Reconciliation Shield™ case is supervised by Steven M. Raiser, Esq., Founding Partner & Chief Legal Officer. Demand letters and escalations carry attorney signatures from day one.

Reconciliation vs. Settlement

The right tool,
at the right time.

Reconciliation Shield™ is not a replacement for traditional debt settlement — it's the move before you need one.

New · Pre-default
Reconciliation Shield™
Established · Post-default
MCA Settlement
When to use
Still current. Cash flow tightening.
Already missed payments or facing UCC/COJ.
Mechanism
Enforce reconciliation clause in your contract.
Negotiate a discounted lump-sum or term payoff.
Funder relationship
Preserved. Stays in good standing.
Adversarial. Often follows a default event.
Credit impact
None expected.
Possible — varies by funder & circumstance.
Approach
Recalibrate the contract while still current.
Negotiate a payoff after default.
Ongoing access to capital
Maintained.
Generally restricted until resolution.
Estimate Your Relief

What could the Shield recover for you?

Pick your approximate outstanding MCA balance. We'll show a typical reconciled remittance and the monthly cash flow it returns to your business.

Estimates assume a representative 1.4 factor and standard 22-business-day month. Actual results depend on contract terms, funder, and verified receivables.

Outstanding MCA balance
% Drop in revenue
40%
0%20%40%60%80%
Current daily debit
$1,100
per business day
After Shield · Reconciled debit
$660
per business day
Estimated monthly cash flow returned
+$9,680
Get My Estimate
Who it's for

Still current. Already squeezed.

Active MCA position(s)

You have one or more outstanding merchant cash advance balances with daily or weekly remittances.

Still current on payments

You haven't missed a debit yet — this is the program that keeps it that way.

Revenue declined since funding

Your actual receivables are running materially below the projection your funder used at origination.

Daily ACH consuming cash flow

Debits are eating an outsized share of deposits, and runway is shrinking by the week.

Available nationwide for
Restaurants Trucking Construction Retail Auto Healthcare Professional services E-commerce
Frequently Asked

Questions, answered.

What is reconciliation in an MCA contract?
Most merchant cash advance contracts include a "reconciliation" or "true-up" provision. Because an MCA is technically a purchase of future receivables (not a loan), the funder is supposed to recalibrate your daily debit when actual receivables fall below the projection used at funding. In practice, funders rarely volunteer this adjustment. The Reconciliation Shield enforces it.
Do I have to be in default to enroll?
No — and that is the point. Reconciliation Shield is built specifically for merchants who are still current but watching their cash flow erode. Acting before default preserves your funder relationships, your credit, and your operating runway.
How long does the reconciliation process take?
Every case is different. Timelines depend on the funder, contract terms, and how quickly the funder responds. We do not publish averages because publishing one would set an expectation we cannot honor for every business. We provide a written, case-specific timeline at intake.
What if my funder refuses to reconcile?
Refusal can itself be a breach of the MCA agreement, and may convert the transaction from a purchase of receivables into an unenforceable loan under state usury law. When funders refuse, we refer the matter to an affiliated attorney from our network who escalates with formal demand letters and, when warranted, litigation.
Will this affect my credit or my ability to get future funding?
Reconciliation is a contract right exercised on an active, performing position. It is not a default, settlement, or bankruptcy event. Most clients see no negative credit impact and remain eligible for future funding once cash flow stabilizes.
How is this different from MCA settlement?
Settlement is reactive — it negotiates a discounted payoff after default. Reconciliation is proactive — it adjusts your remittance terms while everyone is still in good standing.
Free Consultation

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