Consolidate your
MCA Debt.
Get Out of Your MCA Debt We use a Client-Centric Approach: We put the client at the center of the processes. We tailor fit solutions based on your business needs! Lower your monthly payments by 50-60%.
Call now or fill out our form to speak to an associate!
to start your recovery
Book a free consultation to get relief from your MCA obligations
Call Now 833-213-5200
500K
Average savings
#1
MCA Relief Program
100s
Of happy clients to date
Restructure Your Debt
Protect Your Assets
No Cost Out of Pocket
Instant Relief from MCA obligations
Legal Representation
Lifeline Business Group
We are a team of seasoned specialists in merchant cash advance relief. Having dealt with numerous cases in the industry, we possess extensive expertise and knowledge. With a cumulative experience of over 25 years, we are well-equipped to assist you and fast.
So you’re in good hands.
We'll help you protect your assets
No out of pocket expenses, legal representation, and guidance through the entire MCA restructuring process.
Protect Your Assets
The Lifeline Business Group program safeguards your revenues, accounts receivable, bank accounts, and customer relationships against hyper-aggressive collection tactics.
With Lifeline Business Group, we strategically restructure your business and debt, granting you insulation from all such collection tactics. MCA creditors are unable to seize your assets or disrupt your business operations. Consequently, you no longer need to make payments to your MCA creditors until we secure a payment plan that suits your affordability and they accept our discounted terms.
Imagine it as constructing a massive protective barrier around your business, effectively shielding you from MCA creditors.
Instant Relief From MCA Obligations
OWith MCA creditors unable to seize your assets or disrupt your business operations, our experienced negotiators take charge. You can anticipate paying approximately 75% to 80% of your existing balances over a payment term that aligns with your affordability.
Typically, payments are reduced by 70% to 80%, encompassing all fees for our services. This provides you with an opportunity to accumulate cash and enhance your cash flow, enabling you to sustain and grow your business while retiring your MCA debt on manageable terms.
No Cost Out Of Pocket
A “no out of pocket” solution to a Merchant Cash Advance (MCA) relief program is a beneficial option for businesses burdened by MCA debt. This approach eliminates upfront payment and focuses on negotiating with creditors to reduce the outstanding balance and establish affordable payment terms.
With a personalized approach, businesses can gradually retire their MCA debt while sustaining their operations. The solution also offers a legally binding settlement agreement, protecting businesses from future collection attempts.
By reducing payments and improving cash flow, businesses have the opportunity to recover and thrive.
Legal Representation
MCA creditors often discourage seeking professional assistance to maintain control and maximize their collections, even if it means harming your business.
Professional expertise can protect your business, negotiate reduced balances, establish secure financial accounts, maintain working capital, and provide legal defense against MCA actions.
By entrusting our dedicated team, you can focus on the day-to-day operations and growth of your business while we handle the complexities of dealing with MCA companies.
What people say about us?
Don’t just take it from us
Henry Pasternac
“Lifeline Business Group gave me my business back. I am able to focus on what moves us forward. "
Frank Revenstein
“Almost instantly Lifeline Business Group provided me with the relief we needed for our business."
Fernanda Bapo
“Cannot thank Lifeline Business Group enough, their guidance and expertise is top notch!”
Faq
We offer MCA debt relief.
All types of companies.
1 month
Because we’re experienced.
What is a Merchant Cash Advance (MCA)?
An MCA is a lump sum of working capital, usually given to an SMB
- Fast funding, get cash in 1-2 days
- Short terms (3-6 months)
- High interest rates (75% – 200% APY)
- Paid back daily/weekly
MCA companies target businesses with immediate capital needs and perform limited underwriting – this leads to high default rates and APYs upwards of 200%. MCAs are a purchases on future receivables and are not loans. This technicality allows funders to sidestep usury laws and regulation.
OUR PRODUCT
Merchant Cash Advance (MCA) Consolidation
Our Borrowers:
• …are SMBs struggling with high cost MCA debt that we consolidate into a 1-2 year term loan
• …are cash-flow positive excluding MCA payments and our loans are designed to get them to profitability.
BACKGROUND
Why take on an MCA?
• SMBs are underserved when it comes to accessing quick working capital. SBA loans and other traditional lending products can be too slow and MCA funders fill a gap in the market.
• Brokers get higher broker fees from originating MCAs than more traditional small business loans (ex: SBA loans).
• Frequently, brokers tell SMBs that they must take an MCA loan as a pre-qualification step to an SBA loan.
THE PROBLEM
The MCA death spiral
MCA payment obligations
cripple business cash flow
With 4th and 5th position
MCAs on the balance
sheet, most companies
default or are trapped in
MCAs indefinitely
MCAs disqualify SMBs
from other loan products
(i.e. SBA)
Business owners must take on
additional MCAs to pay off
existing ones
OUR SOLUTION
MCA consolidation
• We refinance outstanding MCAs and offer SMBs a 1 to 2-year term loan with reasonable rates.
• We help business get cash flow positive by reducing monthly payment burdens by up to 80%.
• For the duration of the loan, we work directly with borrowers to streamline operations and help them build credit.
INVESTMENT CRITERIA
Life Line Business Group Investment Criteria
Life Line Business Group works with companies that have outstanding debt obligations ranging from $100,000 to $2,000,000 that meet the following criteria:
2 years in business
At Least $30,000 MRR
No past defaults, personal bankruptcies or missed payments
Existing AR/AP portfolio
Faq
We offer MCA debt relief.
All types of companies.
1 month
Because we’re experienced.