Restaurant owner
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Georgia Restaurant MCA Debt Relief Success Story

"We opened a second location and took two advances to cover the buildout. By spring the daily withdrawals were more than our payroll and I really thought we would have to close the new spot. After we enrolled the payments came down within a few weeks and..."

~ Maria L.

Original Weekly Payment$5,280.00
Restructured Weekly Payment$1,530.00
Weekly Payment Reduction71%
Time In Program14 Months
Roofing contractor in a red hard hat
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Texas Roofing Company MCA Debt Relief Success Story

"Two big jobs paid late and I had three funders pulling from my account every morning. Every time I took a new advance to make payroll it got worse. The team sat down with me, looked at my draw schedule and worked out a plan I could actually keep up with..."

~ Andre P.

Original Weekly Payment$7,940.00
Restructured Weekly Payment$2,610.00
Weekly Payment Reduction67%
Time In Program18 Months
Stylist blow drying a client's hair
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North Carolina Hair Salon MCA Debt Relief Success Story

"After 20 years behind the chair I never expected to be in this spot. A slow winter and one bad advance and I was behind on rent and everything else. They were patient with me, explained every step, and my salon is still open today..."

~ Gloria W.

Original Weekly Payment$3,120.00
Restructured Weekly Payment$870.00
Weekly Payment Reduction72%
Time In Program12 Months
Doctor in his practice office
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Maryland Medical Practice MCA Debt Relief Success Story

"Insurance was paying us in 60 days and the advance wanted money every morning. I was covering payroll out of my own savings. Now the payments line up with when the practice actually gets paid and I can focus on my patients again..."

~ Dr. Michael R.

Original Weekly Payment$4,650.00
Restructured Weekly Payment$1,720.00
Weekly Payment Reduction63%
Time In Program15 Months
Restaurant owner
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California Restaurant MCA Debt Relief Success Story

"Food costs went up, sales went down and the advance payments stayed exactly the same. I was working seven days a week just to cover the debits. Now the payments make sense for a restaurant our size and I can breathe again..."

~ Kenji T.

Original Weekly Payment$6,450.00
Restructured Weekly Payment$2,190.00
Weekly Payment Reduction66%
Time In Program16 Months

Helping business owners across the country get out from under MCA debt since 2018!

BBBAccredited Business
Rating: A+
4.8
★★★★★
Google Reviews

Business Debt Relief
You Can Count On.

When you work with SPX Credit Solutions, you get a team of experienced negotiators and account managers who deal with merchant cash advances every day. We are NOT a lender. We look at your debt, your revenue and your cash flow, then work with your funders on a plan that lets your business keep running. We can't help every business, but we will always tell you honestly where you stand.

See what other owners have to say in our client reviews.
Results vary by business and are not guaranteed.

Fast
Relief

The first thing we do is work on getting your daily and weekly payments down so your business can keep paying its bills while we work through the debt.

Payments
That Fit

Your payment plan is based on what your business actually brings in, so you can stay current without falling behind on payroll, rent or suppliers.

Legal
Support

Once you enroll you have access to legal resources that deal with MCA funders, so collection calls and threats don't have to land on your desk.

Falling Behind On Payments?

Get Help Today

Debt Relief Built
For Your Industry

Chef in kitchen Restaurant counter
A Clear Path Out Of Debt

Debt Relief For Restaurants

Slow seasons, rising food costs and thin margins make daily advance payments hard to keep up with. We help restaurant owners lower those payments and keep the doors open.

Learn More
Contractor at work Construction site
A Clear Path Out Of Debt

Debt Relief For Construction Companies

Waiting on draws and retainage while paying an advance every day is a tough spot. We help contractors and trade businesses match their payments to when they actually get paid.

Learn More
Stylist with a client Nail polish wall at a nail spa
A Clear Path Out Of Debt

Debt Relief For Salons & Nail Spas

Packed Saturdays, slow Tuesdays and a funder that takes its cut every weekday, even when you're closed. We help salon, spa and barbershop owners get payments back to something the chairs can cover.

Learn More
Doctor in his office Dentist with a patient
A Clear Path Out Of Debt

Debt Relief For Medical Practices

Insurance can take months to pay while your advance gets paid daily. We help doctors, dentists and chiropractors get cash flow back on a schedule that fits how medicine gets paid.

Learn More

Customer Results

A few recent settlements from business owners we've worked with.

52%Savings

Restaurant group, FL
Debt: $286,000
Paid: $137,280

47%Savings

Hair salon, TX
Debt: $118,400
Paid: $62,750

63%Savings

Chiropractic office, GA
Debt: $54,210
Paid: $20,060

58%Savings

Dental practice, NY
Debt: $172,900
Paid: $72,620

41%Savings

Roofing contractor, AZ
Debt: $95,000
Paid: $56,050

66%Savings

Nail salon, NC
Debt: $31,480
Paid: $10,700

How Our Business
Debt Relief Works

It starts with a conversation and ends with a plan you can afford.

Free Consultation

Book a call with one of our debt advisors to go over your advances, loans and what's going on with your business.

Eligibility Review

We'll let you know if you qualify for our program. If you don't, we'll still point you in the right direction.

Your Custom Plan

Our team puts together a plan based on your debt, your revenue and your goals, then we get to work with your funders.

Book Your Free Consultation

Trusted By Business
Owners Since 2018

$500M+Total Debt Enrolled
3,500+Businesses Helped
A+BBB Rating

What Business Owners
Are Saying

From the first phone call they were honest with me about what they could and couldn't do. My advisor checks in every couple of weeks and always calls back the same day. Taking this step was the best decision I made this year for my business.

★★★★★
MR
Marcus R.
Oct 22, 2026

I was embarrassed to even call, I felt like I got myself into this mess. Nobody made me feel that way. They explained the whole program and got the funders to work with us.

★★★★★
DS
Dana S.
Oct 9, 2026

One of my funders was threatening to freeze my accounts. Within a week the calls stopped and I finally had a plan. Great people to work with, very professional.

★★★★★
KO
Kevin O.
Sep 27, 2026

Very easy to work with and they actually listen. My weekly payment is less than half of what it was. I'd recommend them to any business owner stuck with MCAs.

★★★★★
LT
Lena T.
Sep 14, 2026

Had 4 advances stacked and didn't know where to start. They organized everything and walked me through each step. Six months in and I'm making payroll without stressing.

★★★★★
JB
Jorge B.
Aug 30, 2026

I went through their agreement line by line before signing. Everything they told me on the phone was in writing, fees included. Four funders, one plan, and I'm on month nine now.

★★★★★
SK
Steve K.
Aug 11, 2026

Take Control Of Your Business Debt

Apply Now

Helpful Reading

MCA Basics

What Happens When You Can't Make Your MCA Payments

Read Article Cash Flow

Why Stacking Merchant Cash Advances Makes Things Worse

Read Article Contractors

Cash Flow Tips For Contractors Waiting On Payment

Read Article

Frequently Asked Questions

How does MCA debt relief work?

Merchant cash advances are usually paid back with daily or weekly withdrawals from your bank account. When those payments get to be more than your business can handle, we step in and negotiate with your funders to lower or restructure what you owe so your business can keep operating.

Is this the same as getting another advance or loan?

No. We are not a lender and we don't give you more money. Taking a new advance to pay off an old one is how most owners end up stacked in the first place. Our job is to bring the payments you already have down to a level you can afford.

Can you still help if I've defaulted or there's a UCC lien on my business?

In a lot of cases, yes. A default, a UCC filing or even a lawsuit doesn't automatically mean we can't help. Tell us where things stand on your consultation and we'll go over your options.

How long will it take?

It depends on how many funders you have and how much you owe. Most clients see their payments come down early on, and programs usually run anywhere from 6 to 24 months.

Can I keep running my business while I'm in the program?

Yes. The whole point is to keep your business open. You keep working and serving your customers while we deal with the funders.