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How does merchant cash advance settlement work, step by step?
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Merchant cash advance settlement generally works in four steps: (1) a review of all your advances, balances, and agreements; (2) negotiation with each funder to agree on a reduced payoff; (3) a restructured, affordable payment plan you can actually sustain; and (4) you paying the funder directly on that reduced plan until the debt is resolved. With a reputable provider, your settlement money never passes through the provider — you pay the lender directly, and the provider charges only its own disclosed fee.
How MCA Clarity runs it
This is exactly how MCA Clarity operates: every fee is disclosed and e-signed before any work begins, the merchant pays the lender directly on the lower plan, and the firm only ever debits its own agreed fee. Your settlement money never flows through us — that structure is the whole point.
What you need to start
To begin, you mainly need your advance agreements and a clear picture of your balances and payments. From there the review identifies which advances have the most settlement room, and negotiation starts with the funders where your leverage is strongest.