Industries / Restaurants

MCA Debt Relief For Restaurant Owners, Chefs & Food Service Operators

You built the menu, trained the crew and kept the doors open through slow seasons, rising food costs and a few years nobody saw coming. Somewhere along the way a merchant cash advance looked like the easy fix, and now a cut of every day's sales goes back out before you've paid a single vendor.

We help restaurant owners lower those daily payments, deal with the funders directly and keep the kitchen running, so you can get back to worrying about covers instead of debits.

Speak To A Restaurant Debt Specialist (866) 733-2121
Chef plating dishes in a restaurant kitchen Order tickets coming off the kitchen printer
Pizzeria, NJ$1,240 → $430daily debit after enrolling
Who we work with
Empty restaurant dining room before service
Margins of 3 to 6% on a good month
Food costs that change every week
Payroll every single week
Equipment that breaks at the worst time
Slow seasons and bad weather
Funders taking a cut of card sales

Why Independent Restaurants Struggle With Cash Flow And MCA Debt

Running a restaurant means living on thin margins. After food, labor and rent, a lot of independent places keep somewhere between 3 and 6 cents of every dollar. That leaves almost no room when the walk-in dies on a Friday night or a slow January drags into February.

MCAs go after restaurants for a reason. Funders can see your card sales, approve you in a day and pull their payment straight from your processor or your bank. Easy money going in. Coming out, it takes a fixed bite of every day's sales, the slow days included.

Already behind? Here's what happens when you can't make your MCA payments, and what to do first.

What A Slow Week Looks Like From Your Bank Account

A neighborhood restaurant doing about $31,000 a week, with one advance debiting $1,150 every weekday. The early part of the week is where it hurts.

Daily sales vs. what goes to the funder

Goes to your funderLeft for everything else
55%
Mon $2,100
48%
Tue $2,400
38%
Wed $3,000
29%
Thu $3,900
17%
Fri $6,800
no debit
Sat $7,600
no debit
Sun $5,200

On a Monday, more than half of what came in goes straight back out, before food, payroll or rent.

WEEKLY SUMMARY

Location #1 · Week of Mar 3

Gross sales$31,000
Food & supplies (30%)-$9,300
Payroll (32%)-$9,920
Rent & utilities-$4,200
MCA debits (5 x $1,150)-$5,750
LEFT OVER$1,830

* Before card fees, repairs, insurance or a single slow day

Fast Funds With Long Term Consequences

The pitch is always the same. No collateral, a one page application, money by tomorrow. When payroll is due Friday and sales were soft all week, that's hard to turn down.

But a daily payment set on your best month doesn't adjust itself when you have a bad one. Owners start cutting menu items, trimming hours and paying vendors late just to keep the debits clearing. Then the renewal call comes with a little more money on top of what's left, and the cycle starts over. Getting owners out of that cycle is most of what we do all day.

"Every morning I'd check the account before I could even think about placing an order."Sofia G., restaurant owner
Busy restaurant dining room from above

You might need MCA relief if you're...

Signs Your Restaurant Is Stuck In A Debt Spiral

If this sounds like your week, you're not the only one. It's the most common story we hear from owners.

Cutting food orders or menu items to save cash
Delaying payroll or cutting staff hours
Paying vendors late or falling behind on rent
Using a new MCA to pay off an old one
Late nights with spreadsheets trying to find money
Dreading calls from funders or collection notices

How We Help Restaurants Get Their Cash Flow Back

We build your plan around real weekly sales, slow season included, so you can run the kitchen instead of the debt.

01

Free review of your MCA agreements, POS reports and bank statements

02

A plan sized to your actual weekly sales, including the slow months

03

Direct funder communication so your managers stop taking collection calls

04

One manageable payment so you can order, staff and plan the week again

Speak To A Restaurant Debt Specialist

Customer Results

Recent settlements for restaurants, cafes and bakeries we've worked with.

52%Savings

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

61%Savings

Pizzeria, NJ
Debt: $67,900
Paid: $26,480

46%Savings

Family diner, IL
Debt: $94,200
Paid: $50,870

57%Savings

Taqueria, 2 locations, TX
Debt: $112,600
Paid: $48,420

49%Savings

Bakery cafe, PA
Debt: $41,000
Paid: $20,910

What Restaurant Owners Are Saying

Two advances and a slow winter almost closed us down. They took over the funder calls so I could get back in the kitchen where I belong.

★★★★★
SG
Sofia G.
Restaurant Owner

Honest and easy to work with. My weekly payment is way down and I was able to keep my whole staff through the slow season.

★★★★★
TV
Tony V.
Pizzeria Owner

I own two locations and had advances on both. They put everything in one plan and explained every step.

★★★★★
GK
Grace K.
Cafe Owner

The week we signed up I had two funders calling my managers at the restaurant. That stopped. I didn't realize how much it was wearing on all of us until it was gone.

★★★★★
HA
Hector A.
Taqueria Owner

Honest about the timeline and honest about the fees. Payments are about a third of what they were and we made it through the slow season.

★★★★★
AL
Amy L.
Bakery Owner

Already behind on a payment or two? Read What Happens When You Can't Make Your MCA Payments so you know what to expect and what to do first.

Read The Article

Common Questions Restaurant Owners Ask

Can I keep my restaurant open during the program?

Yes. The point is to keep you open. You keep serving customers and running the business while we work with your funders.

My funder takes a percentage of my card sales. Does that change anything?

Not really. Whether your funder pulls a fixed daily ACH or takes a split from your card processor, we can work with it. We'll look at how your agreement is set up and plan around it.

We have a slow season every year. Can the plan account for that?

It should. We look at at least a few months of sales, not just your best weeks, so the plan still works in January or August, whenever your slow stretch is.

What if I have more than one location?

That's fine. We'll look at advances across all your locations, including ones taken under different entities, and put together one plan that makes sense for the whole group.

Will my vendors or staff find out?

Not from us. We deal with your funders directly. Your vendors, landlord and team don't need to be involved.

Is this the same as bankruptcy?

No. Bankruptcy is a court process. Our program is worked out directly with your funders outside of court, and your business keeps running the whole time. If bankruptcy might honestly be a better fit for you, we'll say so and suggest you talk to a bankruptcy attorney.

Will this affect my credit?

It can. Restructuring or settling debt may show up on your credit, and some funders report missed payments. We'll go over what to expect on your consultation so nothing catches you off guard. Most owners we talk to are more worried about keeping the business open than about their score, but it's your call to make.

Free, Private MCA Consultation For Restaurant Owners

Answer a few quick questions and pick a time that works for you. It takes about a minute and there's no obligation.

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How much debt does your business have?

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Do you have an MCA or unsecured business loans?

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Where can we reach you?

Book your free consultation

Ready to have your situation reviewed by a certified Workout Senior Underwriter? Start the process by booking a free initial consultation.

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Want to talk now? Call us at (866) 733-2121