Cut Your MCA Payment by 50-70%. Free Savings Calculator | Cut My MCA
For business owners stacked on multiple MCAs

See how much of your weekly MCA payment you could legally cut.

Business owners paying multiple advances typically reduce their weekly payment by 50 to 70 percent. Answer 5 quick questions. No credit check. No obligation. See your number in under 60 seconds.

Calculate my savings Free. Takes about 60 seconds.
Step 1 of 5
Not the right fit — but here's what is

This program is built for stacked, high-payment MCA situations.

Based on what you told us, your situation is lighter than what we typically settle. Our program is designed for business owners paying at least $1,000 per week in MCA draws and carrying $25,000 or more in outstanding MCA balance. Below that, the cost of the program usually outweighs the savings, and we'd rather tell you that up front than sell you something that doesn't move the needle.

If you want to keep the pressure down on your own, a few options that usually help:
• Ask each funder for a reduced daily/weekly draw — many will agree to 30 to 60 days of relief without settlement.
• Look at an SBA 7(a) or line of credit to consolidate one or two advances into a lower fixed payment.
• If you're on one advance under $25k, running it out is often cheaper than settling.

If your situation changes — you take on another advance, or your weekly draws climb over $1,000 — come back and run this again. We're here.

Learn more about CCS
Question 1 of 5

How much are you paying in MCA payments each week?

Add up all of your daily/weekly MCA payments combined. A rough estimate is fine. We'll dial it in on the call.

$
Enter your weekly payment to continue (numbers only).
Question 2 of 5

How many MCA loans do you currently have?

Count every open advance, even small ones. Stacked positions are the most common situation we settle.

Pick the number of active MCAs to continue.
Question 3 of 5

What's the total balance owed across all of your MCAs?

Roughly. Take a guess if you're not sure. The call is where we lock the exact number.

$
Enter an estimated balance to continue.
Question 4 of 5

Are you currently struggling to maintain your MCA payments?

Helps us understand how urgent your situation is and route you to the right specialist.

Pick one to continue.

How quickly do you need help?

Pick one to continue.
Last step

Where should we send your savings number?

We'll show your estimated weekly, monthly, and yearly savings on the next page. We text and email a copy so you have it for the call.

Enter your first name.
Enter your last name.
Enter a valid 10-digit US phone number.
Enter a valid email.
Enter your 5-digit business ZIP.
Optional

Only used if we can't reach you on the number above. Helps us confirm your file faster.

By submitting, you agree to be contacted by Corporate Client Services at the number provided regarding your inquiry. Msg & data rates may apply. Reply STOP to opt out.

Secure. Your data is encrypted. No credit check required. A+ BBB rated.

How it works

Three steps. No guesswork. No pressure.

Every case is different, which is why the first conversation is a real one, not a sales pitch. Here's what happens after you submit.

1

You answer 5 questions

Tell us your weekly payment, how many MCAs you're stacked on, your total balance, and how urgent your situation is. Under 60 seconds.

Instant. No credit check.
2

We show your savings estimate

Based on your numbers, we calculate what a typical settlement looks like for a business in your position, weekly, monthly, and annualized.

Delivered on the next screen.
3

You talk to a real advisor

A licensed settlement advisor calls you (only if you want). They review your specific advances, explain the process, and answer every question. Zero obligation.

You control the pace.

Real business owners

What happens when the pressure lifts.

Names and details published with written permission. Results vary. These are typical outcomes for businesses that qualify.

"

Between three advances I was pulling $6,750 out every week. After they settled, my new number was $2,100. I actually made payroll last month without the knot in my stomach.

MG
Marcus G.
HVAC contractor. Texas.
-69% weekly payment
"

Four MCAs, two of them stacked in the same month. I thought I was going to lose the shop. They negotiated all four down and set up a schedule I could actually breathe under. Cut my weekly by 58%.

LR
Luis R.
Auto repair. Florida.
-58% weekly payment
"

I was terrified to even pick up the phone the first time. The advisor didn't push me, didn't judge. Walked me through what my actual options were. Saved us over $340K in projected payments over the next year.

DK
Dana K.
Trucking & logistics. Ohio.
-64% weekly payment
11,000+
Small businesses served since 2016
$880M+
MCA and business debt settled to date
50-70%
Typical reduction in weekly MCA payment
A+
Better Business Bureau accreditation rating

Straight answers

The questions every stacked-MCA business owner asks first.

If your question isn't here, ask it on the call. Every advisor is trained to answer, not sell.

Yes. Debt settlement is a well-established legal practice in the United States, including for merchant cash advance obligations. It works by renegotiating what your business owes based on your ability to pay. What matters is doing it correctly and with the right legal footing, which is what our program is built for.
Some funders send demand letters and some file suit. We plan for that. Our program includes affiliated legal support, so if a funder takes action, you have counsel. In practice, the vast majority of cases we handle are resolved through negotiated settlement, not litigation. Your advisor will walk you through the specific risk profile for your funders on the call.
MCAs generally are not reported on personal credit bureaus, so most clients see no personal credit impact. For business credit, effects vary. Most owners who come to us are already in a position where continued MCA stacking is causing worse damage. Your advisor will give you a realistic read on your specific situation, not a talking point.
Most cases resolve in 12 to 24 months, but relief starts immediately. As soon as you enroll, your weekly draws stop, which is often the difference between closing the doors and keeping them open. From there, we negotiate each funder individually.
No upfront fees. Our fee is a percentage of your enrolled MCA debt, collected across the first two-thirds of your program term inside a single weekly program payment. The final third of the term has no fee built in. Your all-in weekly payment, fee included, is still dramatically lower than what you are paying your MCA funders today. The full fee structure and weekly payment schedule are disclosed in writing before you enroll, no fine print, no surprises.
For a small minority of businesses, that works. For most owners paying multiple MCAs, the math does not. Effective annualized cost on stacked MCAs regularly exceeds 100 to 150 percent. Every week you stay in the cycle, you fall further behind. That does not mean settlement is right for you. It does mean it is worth 60 seconds to see the number.

Ready to see your number?

Answer 5 questions. See your estimated savings in under 60 seconds.

Start the calculator
CM Cut My MCA

Cut My MCA is a merchant cash advance settlement program offered by Corporate Client Services LLC. We help small business owners in financial distress renegotiate stacked MCA obligations.

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© 2026 Corporate Client Services LLC. All rights reserved.
7800 Congress Ave, Ste 202, Boca Raton, FL 33487

Cut My MCA is a debt settlement program. Results vary based on individual circumstances including creditor cooperation, ability to save funds, and the total amount of enrolled debt. The reduction figures shown on this page are illustrative and based on typical outcomes across our enrolled client base; individual results will differ. Program does not assume debts, provide legal advice, tax advice, credit repair, or lending services. Not available in every state. Testimonials reflect the individual experience of the persons named and are not indicative that any particular result will be achieved. Please consult with a licensed professional regarding your specific situation. Read and understand all program materials prior to enrollment.