Merchant Cash Advances (MCAs) can feel like a quick fix when cash flow gets tight. They offer fast money with very little paperwork, which is why many small business owners turn to them in a pinch. And then later, need MCA debt relief.
But the same speed and flexibility that make MCAs attractive can also become a serious problem. Daily or weekly withdrawals, high fees, and aggressive payback schedules can drain your working capital fast—sometimes faster than you can bring in new revenue.
If you’re juggling multiple MCAs (also called “stacked MCAs”), or dealing with nonstop collections, you’re not alone. Many business owners find themselves in a cycle where every dollar goes toward payments, leaving nothing for payroll, inventory, fuel, or growth. When this happens, you must take action quickly to protect your business and avoid bankruptcy.
How First Capital Helps Businesses Break Free From MCA Debt
First Capital specializes in working with businesses that are overwhelmed by MCA payments. We offer MCA debt relief solutions that are more manageable, more affordable, and designed to improve cash flow—not destroy it.
Here’s how we help:
✔ Consolidating or Paying Off Stacked MCAs
Instead of making multiple daily withdrawals to several MCA companies, First Capital can provide funding that pays off your stacked advances. This replaces them with one predictable, structured payment—giving you immediate breathing room.
✔ Providing Lower, More Flexible Payment Options
Our financing programs offer monthly or weekly payments — not daily drafts — at rates that are far more affordable than typical MCA fees.
✔ Improving Cash Flow Instead of Strangling It
With your MCA stress removed, you can finally use your revenue the way you intended:
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Cover payroll
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Buy inventory
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Pay for fuel, materials, or equipment
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Take on new contracts
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Stabilize operations
✔ Protecting You from Aggressive Collectors
If your MCA lender is calling nonstop or threatening legal action, First Capital can step in with financing that allows you to pay them off and stop the daily pressure.
✔ Fast Decisions, Fast Funding
Just like an MCA—but without the crushing costs. We can often provide solutions within 24 hours, helping you regain control before the situation gets worse.
The Bottom Line
If MCA payments are eating your cash flow, stacking more advances is not the answer—and waiting only makes the problem bigger. Taking action now can save your business.
First Capital has helped countless business owners break free from the MCA trap, restore stability, and move forward with confidence.
When you’re ready, we can help you too. Contact First Capital today!