Case Studies

Situation

A retail business had three stacked MCAs pulling daily from their account. Negative daily balances put payroll at risk.

Approach

We facilitated communication with funders to modify draw schedules, supported negotiations for reduced daily pull amounts, and assisted with refinancing two positions into a lower-rate term loan.

Result

Within 30 days, daily balances were positive and operations stabilized. The owner regained control and the business returned to positive cash flow.

• Draw schedules modified
• Daily pulls reduced and sequenced
• Positive daily balance restored
• 30 days to stability

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Situation

A business owner submitted one capital application through a broker, and within weeks was receiving 20–30 calls per day from different brokers and funders

Approach

We traced data resale paths, identified lead generation networks, executed opt-out sweeps across multiple databases, and filtered contact channels.

Result

Call volume dropped from 20–30 per day to 2–3 per week within 10 days, allowing the business owner to focus on operations

• Data resale paths identified
• Comprehensive opt-out sweeps executed
• 85% call reduction in 10 days
• Single point of contact established

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Situation

A business was about to sign an MCA agreement that included a Confession of Judgment clause and a UCC filing that would remain active even after payoff

Approach

We reviewed the agreement, identified problematic clauses, and facilitated negotiations for their removal. We also supported securing a UCC release provision upon full payoff and manageable prepayment terms.

Result

The contract became manageable with no future lock-in risk. Legal risks eliminated and future capital options preserved.

• COJ clause removed
• UCC release on payoff facilitated
• Prepay terms negotiated
• Future capital options preserved

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Situation

A business faced temporary cash flow challenges affecting multiple capital positions

Approach

We facilitated communication between the business and funders, supported restructuring discussions, and helped align draw schedules with cash flow recovery.

Result

Through proactive communication and strategic planning, the business established a path to recovery and fully recovered within a quarter.

• Early cash flow analysis
• Communication facilitation
• Draw schedules aligned
• Recovery plan established

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