Keep the Kitchen Open. Stop the daily MCA drain.
Restaurants run on margins, and when daily ACH pulls hit before deposits clear, that margin disappears. We restructure your MCA debt so you can pay your line cooks, your produce vendor, and rent — and still serve dinner Friday night.
Why restaurants end up trapped in MCA debt
Restaurants have unique cash-flow timing — daily card settlements, tips, payroll cycles — that makes daily MCA pulls especially destructive.
Daily pulls before deposits clear
Most funders pull every weekday morning — before your card batch from Friday and Saturday has even hit. The math fails for an entire week, and another advance feels like the only fix.
Margins are already razor-thin
Even healthy restaurants run on 3–7% net margins. A 12–18% MCA factor rate doesn't just hurt — it makes profitability mathematically impossible.
Equipment failures, no buffer
Walk-in goes down on a Saturday. Hood fan fails before inspection. You take an emergency MCA at terms you'd never normally accept — and a year later three more are stacked on top.
Seasonal swings + delivery platform holds
Slow January, busy May. Delivery apps holding deposits for 7 days. Holiday catering paid net-30. Your MCA doesn't care about your seasonality — it pulls every weekday regardless.
Debt relief services tailored to restaurants
Every plan is built around the specific cash-flow realities of your industry. Here's how we get you there.
Direct negotiation with your MCA funders
We step in as your advocate, communicate directly with every funder on your behalf, and renegotiate balances and payment schedules so your operating account can actually breathe.
- Reduce total balance owed
- Stop aggressive collection contact
- Pause or restructure daily pulls
Restructure stacked advances into one plan
Multiple MCAs hitting at once? We consolidate them into a single, predictable payment that fits your real cash flow — not the funder's daily ACH calendar.
- One payment, not five
- Aligned to weekly/monthly revenue
- Lower effective cost
Lump-sum or structured settlement
When the right opportunity comes — a strong season, a refinance, an SBA approval — we settle balances for a fraction of what's owed and close the file for good.
- Settle for up to 70% less
- Permanent closure of accounts
- UCC liens released
Post-MCA rebuild & growth planning
Once the debt is resolved, we help rebuild business credit, qualify for legitimate equipment loans and SBA programs, and put a wall between your restaurant and predatory funding.
- Business credit rebuild
- Equipment financing referrals
- Cash flow planning
See your potential monthly relief
Slide to your current MCA payment and we'll estimate the reduced payment we typically negotiate for restaurants.
Four steps from stressed to settled
Most restaurant clients are reviewed within 24 hours and on a reduced payment plan inside the first week.
Free consultation
A specialist who knows restaurants reviews your funders, balances, and revenue cycle — no fee, no commitment.
Custom strategy
We design a plan around your specific revenue cycle and fixed costs — not a one-size-fits-all template.
We negotiate
Our team takes over communication with every funder, negotiates terms, and gets the daily pulls under control.
Resolution
Balances are paid, settled, or restructured. You exit with a clean slate and a plan to stay there.
Restaurants-specific FAQs
The questions we get most from restaurant owners.