How we help

Restructuring for
business debt.

Daily MCA withdrawals and expensive loan payments can crowd out the costs of running a business. We work with you on the repayment proposal and negotiate with the creditors involved.

Discuss your debt

MCA restructuring

Address the daily or weekly withdrawals squeezing your business.

What we do

We review your advances, payment schedules, and operating cash flow. Once engaged, we negotiate with the relevant funders to seek changes to payment amounts, timing, or other repayment terms.

How it applies

For businesses with several advances, we consider the combined burden while treating each funder’s agreement separately. An agreement with one funder does not change another account.

The focus

A proposed schedule tied to what the business can realistically pay.

High-interest business debt

Review expensive business obligations that have become difficult to carry.

What we do

We look at balances, payment obligations, and the cash available after essential expenses. The review informs which changes to request and how to present the repayment proposal to the creditor.

How it applies

The agreement, payment status, and creditor determine what can be discussed. Revised timing, a longer schedule, or other negotiated terms may be considered; acceptance is never automatic.

The focus

The full repayment picture: periodic payments, total cost, and time.

Creditor negotiation

Have the repayment discussion with a specific proposal and an agreed scope.

What we do

We communicate with the funders or creditors covered by your engagement, present the proposed changes, and work through their responses. You review the terms before accepting an arrangement.

How it applies

Any resolution needs clear payment dates, amounts, conditions, and documented acceptance. Creditors can reject a proposal, and existing obligations remain in place unless properly changed.

The focus

A written agreement you can evaluate before making a commitment.

Services depend on your business, agreements, and applicable requirements. Payment reductions, settlements, and savings are not guaranteed. A longer repayment period can increase total cost.

What restructuring means

Work on the obligations
you already have.

Restructuring starts with your existing debt. The discussion is about changing repayment terms with the creditor’s agreement. A request, proposal, or consultation does not change the contract on its own.

Where consolidation differs

Consolidation financing uses new funding to pay off existing balances. Our focus here is negotiation of current obligations. This website does not offer or guarantee new financing.

When a settlement is discussed

A negotiated resolution may include an agreed amount or payment schedule to settle an obligation. Compare the required funds, service fees, conditions, and release terms. A proposal is only an option until the necessary parties accept it in writing.

Know exactly what you would be agreeing to

The accounts and creditors included in the engagement.
The scope of work and all service fees.
Payment amounts, dates, duration, and total cost.
Which creditors have accepted and what remains unresolved.
Any guarantees, liens, release conditions, or default terms.

Read the restructuring comparison

Do not stop or change payments based on this website. Missed payments can lead to default, collection activity, or legal action. National Refund Recovery does not provide legal representation through this website. Ask a qualified attorney about legal notices, deadlines, or rights under your agreements; obtain independent tax advice where needed.

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.

Restructuring forbusiness debt.

MCA restructuring

What we do

How it applies

High-interest business debt

What we do

How it applies

Creditor negotiation

What we do

How it applies

Work on the obligationsyou already have.

Where consolidation differs

When a settlement is discussed

Know exactly what you would be agreeing to

Let’s addressthe debt.

Restructuring for
business debt.

Work on the obligations
you already have.

Let’s address
the debt.