Estimate your savings in seconds.
No signup, no docs. Built on the same model our negotiators use.
A clear path off the daily-debit treadmill.
Tell us about your advances
A 2-minute form. No documents to start — just the basics about your business and your funders.
Connect a bank or text docs
Read-only bank link or photos of your statements. We map your funders and balances automatically.
We qualify & negotiate
We screen which advances are settleable, what each funder will take, and work the number down.
You settle, lender-direct
You pay the lender directly on the lower plan. We debit only our disclosed fee.
The honest way to handle stacked advances.
We never touch your money
Your settlement goes straight to the lender. We debit only our own disclosed fee — never your settlement amount. No trust account, no float, no surprises.
We cover a payment if we can't settle
Skin in the game, for real. If we can't get a deal done on your eligible advances, we'll personally make one of your lender payments for you — out of our own pocket.
We know what funders settle for
Years of settlements and the data we hold on every major funder set your opening offer and target — not guesswork. We're not a law firm and don't pretend to be.
Every fee disclosed up front
A flat engagement fee plus a success fee on savings, both shown and e-signed before any work begins. Nothing hidden, nothing backfilled.
Business debt only
We focus exclusively on commercial cash advances. That focus is why we know which funders settle, at what, and how fast.
Built like a bank
Private, encrypted document handling and an immutable audit trail behind every number we show you and every notice we send.
What settling actually looks like.
Illustrative, anonymized examples of the kind of result we work toward. Individual results vary and are never guaranteed.
Two stacked advances settled around 50% after a credible default position.
Three funders worked down over several weeks; lender-direct payoff.
Aggressive funder; settled fast under documented hardship.
Owners who got their cash flow back.
“The daily pulls were going to close us. They cut what we owed almost in half and I never once worried about where my money was.”
“Straight with me the whole time about the risks. No promises they couldn't keep. The plan was exactly what they said.”
“I'd stacked four advances trying to stay afloat. They untangled it and I'm finally making payroll without panic.”
Representative client experiences. Individual results vary.
For the owners nobody fought for.
MCA Clarity was built by finance, data, and negotiation experts who watched the local restaurants their community grew up with get ruined by merchant cash advances — and set out to keep these advances from putting good owners out of business.
We pointed everything we know — the data we hold on every major funder and years of settling with them — at one problem: getting owners out before a “quick funding” deal quietly bleeds them dry. That expertise is the whole product.
The guardrails are the product.
We built MCA Clarity so the right thing is the only thing the software can do — no fund custody, disclosed fees, a hard commercial-only gate, and nothing final until it's in writing.
Questions, answered straight.
Is this for personal or business debt?+
Business only. MCA Clarity works exclusively with commercial cash advances taken for business purposes. You'll attest to that before we begin — consumer debt is not eligible.
Do you take my settlement money?+
Never. Your settlement payment always goes directly from you to the lender. We only ever debit our own disclosed fee, on a separate schedule you authorize.
What does it cost?+
Two ways to work with us. Self-Settle is $49/week — a do-it-yourself toolkit with the exact opening offers, ready-to-send letters, scripts, and a watchdog that flags overcharging. Done-for-you is a flat $5,000, paid over time — we negotiate and settle every advance for you, start to finish. Either way, you pay the lender directly and we never touch your settlement money.
Are you a law firm?+
No. MCA Clarity is not a law firm and does not provide legal advice — we're finance and negotiation experts focused on settling your advances. For legal questions about your specific situation, talk to a professional of your choosing.
Is there a risk to pausing payments?+
Yes, and we won't pretend otherwise. Any strategy involving your payments carries real risk and no guaranteed outcome. We disclose those risks in writing and require your acknowledgment before discussing specifics.
How long does it take?+
Most cases move from intake to a negotiated settlement over a number of weeks, depending on your funders and how quickly we get your documents. You'll see every stage in your dashboard.