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How much do MCA settlement companies charge?
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Merchant cash advance settlement pricing varies, but reputable firms make the fee transparent and disclosed in writing before any work begins, rather than burying it or taking a large unearned upfront payment. Models range from flat fees to a percentage of the amount saved. What matters more than the headline number is the structure: a trustworthy firm separates its fee from your settlement funds entirely, so you're never wondering where your money went.
MCA Clarity's two options
MCA Clarity offers two clear options: a low-cost self-guided toolkit for merchants who want to negotiate themselves, and a done-for-you service with a flat, disclosed fee for merchants who want the firm to handle the negotiations. Both disclose every cost up front, and neither ever routes your settlement money through us.
Compare structure, not just price
When you compare providers, weigh the structure as heavily as the number. A slightly higher disclosed flat fee from a firm that never touches your money is safer than a "cheap" quote from one that collects your settlement funds into its own account.