Our MCA debt relief services focus on merchant cash advance refinancing, helping businesses eliminate daily payments, consolidate MCA loans, and restore healthy cash flow.
You don’t have to default on your loans or destroy your credit to survive. Propel MCA uses a proven, data-driven approach to replace toxic daily withdrawals with sustainable, low cost bank financing. Stop the bleeding and take your business back today
Merchant Cash Advances aren’t built for your survival—they are built for speed and extraction. When your business is hit with daily or weekly ACH withdrawals, the math becomes unworkable fast:
You are generating revenue, but you never see the profit. Daily MCA payments pull cash from your operating account before you can even cover payroll, inventory, or rent. It is a structural crisis, not a revenue problem.
When the first advance strains your cash flow, brokers push you to take a second or third just to cover the payments. This "stacking" cycle traps you in a 200%+ APR death spiral that is nearly impossible to escape on your own.
Most "debt relief" companies tell you to stop paying your lenders entirely. They want you to default, face aggressive collections, and ruin your business credit just to negotiate a settlement. That is not a solution—that is a disaster.
We do the exact opposite. We provide MCA debt relief through refinancing—not risky debt settlement that damages your credit. By analyzing your tax returns and credit profile, we uncover the financial strengths that MCA lenders ignore, allowing us to transition you into a healthy, traditional bank loan
We have helped thousands of business owners across the country escape the daily payment trap and secure the long-term capital they deserve.
It starts with a free, no-obligation consultation. We go far beyond your daily bank balances. Our experts conduct a deep dive into your credit scores, tax returns, and overall f inancial health to uncover your true borrowing potential.
We don't rely on risky debt settlement tactics. Instead, we build a comprehensive, documented case to present to our nationwide network of traditional lenders. We position your business for approval, bridging the gap between alternative lending and real banking
Once your traditional financing is secured, the funds are used to pay off your high-cost MCA lenders in full. The aggressive daily withdrawals stop immediately, your credit is protected, and your cash flow is restored.
Unlike debt settlement programs that require you to default and destroy your credit
score, our goal is to protect and elevate it. By refinancing your high-cost MCAs into a
traditional bank loan, you establish a positive payment history and optimize your credit
profile for the future
Because we focus on bank refinancing rather than debt settlement, we aren’t asking your
MCA providers for a discount or a favor. We are securing the capital to pay them off
completely. Once you are approved, they are paid in full, and you are free
Our primary focus is rescuing businesses trapped in high-interest Merchant Cash
Advances. If you have stacked advances, daily or weekly ACH withdrawals, or short-term
business loans with triple-digit APRs, our analysis will determine how we can transition
you to better terms.
Transparency is our priority. When we secure your new traditional bank financing, the
funds are typically used to directly pay off your existing MCA balances. There are no shady
escrow accounts or hidden holding periods—just a clean transition to your new loan.
Debt settlement companies tell you to stop paying your bills, which triggers lawsuits,
frozen bank accounts, and ruined credit. We do the exact opposite. We use your tax
returns and credit profile to qualify you for a traditional bank loan, reducing your costs by
up to 80% without destroying your reputation
If your business generates consistent revenue but your cash flow is being strangled by
daily or weekly MCA payments, you are likely a great fit. The easiest way to find out is to
f
ill out the short form on this page. It takes 60 seconds, and our experts will quickly tell
you exactly how much we can reduce your payments
We are your financial advocates. We do the heavy lifting—analyzing your credit, reviewing
your tax returns, packaging your financial profile, and presenting it to our network of
traditional lenders. We handle the complex logistics to secure the bank financing you
need.
Absolutely. During your free consultation, we will review your entire debt schedule.
Together, we will identify the most toxic, high-cost advances that are hurting your
business the most and target those for immediate payoff
No. Once you partner with Propel MCA, we take over the stressful part of the process. You
can focus 100% of your energy on running your business and generating revenue, while
we work behind the scenes to secure your exit strategy
While our primary goal is to refinance your debt without legal conflict, we maintain a
robust network of legal professionals. If an aggressive MCA lender attempts to file a UCC
lien or a confession of judgment unfairly, we have the resources to protect your business
while we finalize your traditional bank financing.
You don’t just need another financial service. You need a partner who understands the
stress of daily MCA withdrawals, the pressure of aggressive collectors, and the fear of
losing the business you worked so hard to build.
With years of combined experience and a nationwide network of traditional lenders, we’ve guided thousands of business owners out of the MCA trap. We know exactly how these contracts are structured, and we know exactly how to unwind them
Every financial analysis, every application, and every refinancing strategy is executed with one goal: to protect your cash flow and secure your long-term survival.
No gimmicks, no false promises, and no shady settlement tactics. If we can’t help you secure better financing, we’ll tell you straight. If we can, we’ll fight for the best possible outcome.
💡 Bottom line: We know what’s at stake — your business, your livelihood, your peace of
mind. And we won’t let you face it alone
Every day you wait is another day of toxic withdrawals draining your operating account.
One call with Propel MCA could save you thousands and put you back in control