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Business debt restructuring

Restructure your MCA & high-interest business debt.

When debt payments leave too little for the business, it’s time to address the terms. We negotiate with MCA providers and business creditors to seek a repayment arrangement your cash flow can support.

Discuss my business debt How restructuring works
Serving all 50 states Direct creditor negotiation
A barista at work in a warm, light-filled independent café
THE BUSINESS COMES FIRST.
For the work.
For the people.
For what’s next.
01 / A LITTLE MORE ROOM TO GROW
A business needs room to operate.
Review the debt·Negotiate the terms·Agree on the next step

When the payment schedule stops working

Your payments
should leave room
for your business.

Payroll, rent, inventory, and suppliers still need to get paid. When daily withdrawals or expensive loan payments squeeze those essentials, we help you address the obligations already in place.

See our restructuring process
01 / STACKED MCA PAYMENTS

Too many withdrawals. Too little left.

We look at the combined burden of your advances and what your business needs to cover day-to-day costs.

02 / HIGH-COST BUSINESS DEBT

A schedule you’re struggling to sustain.

We review balances, payment amounts, and timing to identify the changes to request from your creditors.

03 / CREDITOR PRESSURE

Put a proposal on the table.

With an agreed scope of work, we handle repayment negotiations and bring the proposed terms back to you for a decision.

What we help with

Business debt.
A focused approach.

We focus on MCA restructuring, high-interest business debt, and the creditor negotiations needed to pursue revised terms.

01

MCA restructuring

Seek changes to the amount or timing of existing MCA payments, including situations involving several advances.

The focus

A payment proposal grounded in your operating cash flow.

Restructure MCA payments
02

High-interest debt

Address expensive business loan payments through discussions about revised schedules and repayment terms.

The focus

What the business can sustain over the full repayment period.

Review business debt
03

Creditor negotiation

Present a proposed repayment arrangement to your funders or creditors and work through their responses.

The focus

Specific terms, documented acceptance, and a defined next step.

See how we negotiate

Revised terms require creditor agreement. Payment reductions, savings, and settlements are not guaranteed. A longer repayment period may increase total cost.

Start with the numbers

Put a number
on the pressure.

Add up your MCA payments and see the share of revenue they use. Bring that number to your restructuring conversation.

The cash-flow checkPrivate · calculated on your device

What do your payments
add up to?

$
How often are your MCA payments?
$
YOUR MONTHLY SNAPSHOT
35.2%

of revenue goes toward MCA payments,
before operating expenses.

Monthly MCA payments$26,400
Revenue after MCA payments$48,600

Daily payment × 22 payment days. Excludes operating expenses, taxes, and other debt. This is a cash-flow illustration, not an offer or savings estimate.

Talk through your situation

How we work

Review. Negotiate.
Decide.

See the full process
01

Review your debt and cash flow.

Tell us who you owe, what you pay, and what is putting pressure on the business. We discuss fit, scope, and fees before you engage.

02

Negotiate with your creditors.

Once engaged, we present the proposed changes and work through creditor responses. Each account and agreement gets its own review.

03

Review the written terms.

See the payment schedule, total cost, and conditions before accepting. A proposed change only takes effect when the required parties agree.

Business debt resources

Know your debt.
Prepare for the discussion.

All resources
One new
agreement.Or new terms
on the old one.↗
KNOW YOUR OPTIONS · 5 MIN READ

Consolidation, restructuring, and settlement: what’s the difference?

Get the distinctions
Every payment.
The whole picture.
CASH-FLOW CLARITY · 4 MIN READ

What your MCA payment schedule really tells you.

Understand your payments
A clearer
conversation
starts here.
GETTING STARTED · 4 MIN READ

What to gather before a business debt conversation.

See the checklist

Straightforward answers

Your restructuring
questions, answered.

What we do, what can change, and what to expect before engaging us.

Discuss your business debt
01What does National Refund Recovery do?

We work with business owners on MCA and high-interest business debt restructuring. Our role is to review the payment burden, discuss a proposed approach, and negotiate with the relevant funders or creditors after an engagement is agreed. The aim is a revised repayment arrangement that accounts for the business’s cash flow. Creditors must agree to any changes.

02Is restructuring the same as taking out another loan?

No. Restructuring seeks changes to an existing obligation, such as the payment amount, schedule, or repayment period. Consolidation financing uses new funding to pay off existing balances. Our focus is negotiating existing business debt; this website is not an offer of a new loan.

03Can you help with high-interest business loans as well as MCAs?

You can contact us about merchant cash advances and high-interest business debt. What can be negotiated depends on the type of obligation, the agreement, payment status, creditor, and your business’s finances. Tell us what you owe and the payment pressure you are facing so we can discuss whether our service fits.

04Can you reduce my payments or the amount I owe?

A negotiation may seek a reduced periodic payment, a different schedule, or another agreed resolution. No reduction or outcome is guaranteed. A lower payment can mean a longer term and a higher total cost. Any proposal should state the full amount payable, fees, dates, and conditions before you decide.

05What if I have several MCA payments at once?

Include every advance in the review. Several daily or weekly withdrawals can create a combined burden that one balance alone does not show. Each funder has its own agreement and must separately accept any proposed changes; an agreement with one does not change the others.

06Should I stop making my current payments?

Do not change or stop payments based on this website. Missed payments may trigger default, collection activity, litigation, or enforcement of guarantees or liens. Ask a qualified attorney about your agreements and any legal notice you receive.

07Where do you work, and how are fees handled?

We serve business owners across all 50 states from Dover, Delaware. Service availability depends on the matter and applicable requirements. Ask for the scope of work and all service fees in writing before engaging us. Calling or emailing us does not enroll you in a program or commit you to a fee.

08What should I prepare for an initial conversation?

Have a general summary of your MCAs and business loans: who you owe, approximate balances, payment amounts, and how often payments come out. Be ready to explain your revenue, essential expenses, and any missed payments or deadlines. Do not send bank credentials, Social Security numbers, or financial documents in your initial email.

MCA & business debt restructuring

Let’s address
the debt.

Tell us what you owe, what you pay, and what needs to change. Let’s discuss a restructuring approach for your business.

Discuss my business debt A conversation, without a commitment.