Skip to content
(561) 397-9829 Start a conversation
Menu
Call (561) 397-9829 Text us
How it works MCA debt relief Debt restructuring UCC lien help Who we help About FAQ Resources Contact Start a conversation

Stacked advances sink businesses. We keep yours afloat.

Every position reviewed, every balance renegotiated with your funders in writing, the daily and weekly drafts replaced by one manageable payment.

Start a conversation or call (561) 397-9829

Results vary. No outcome is guaranteed.

3 open advances take $6,625 a week, $26,500 a month, in 44 separate withdrawals.

One manageable payment, sized to what the business actually deposits, on a written schedule. The amount is negotiated case by case and never promised here.

Each mass is drawn to what that position takes in a week, cut into one band for each withdrawal.One bar at the surface, in place of the masses below the line.

Anchor Resolve renegotiates merchant cash advance balances directly with each funder, in writing, so a business carrying several advances can replace daily and weekly drafts with one manageable payment. Owners across the United States start with a free consultation and a review of every position. Results vary. No outcome is guaranteed.

Key facts

  • A merchant cash advance is repaid by fixed withdrawals from a business bank account, drafted daily or weekly until the full amount is repaid.
  • A stacked business carries more than one advance at once, and every funder drafts from the same account.
  • Anchor Resolve reviews each position and renegotiates that balance and its schedule directly with the funder who holds it.
  • A UCC lien or a judgment does not put a business outside what Anchor Resolve does.
  • Anchor Resolve is not a law firm and does not provide legal advice.
  • The consultation is free, and every fee is disclosed in the program documents before anything is signed.

If it is an emergency

Where your business sits today.

Before anyone talks about relief, we take soundings: every advance, draft and lien, measured against real deposits.

Exhibit A / A hypothetical stack, mapped
Position Advance Factor rate Owed from day one Draft Per week
01 $50,000 1.40 $70,000 $625 daily $3,125
02 $30,000 1.35 $40,500 $410 daily $2,050
03 $15,000 1.40 $21,000 $1,450 weekly $1,450
Stack $95,000 $131,500 $6,625

Illustration, 20 business days a month. Factor rates typically run 1.1 to 1.5 times the advance (NerdWallet; Clarify Capital, 2025). The total is fixed on day one, so paying faster saves nothing.

44 cents

of every dollar goes to the drafts when this business grosses $60,000 a month. Illustration, not a client result.

How it actually goes.

It starts on the first call, and nothing changes without your signature.

  1. The consultation, free.

    You tell us how many positions you hold, what each balance is, and whether each one drafts daily or weekly.

  2. Your program documents.

    One set of documents with every term and every charge inside it. You read them and sign electronically, and nothing outside them is ever owed.

  3. The negotiation with each funder.

    We take the positions one at a time and work each balance and its schedule directly with that funder.

  4. Your signature on each new agreement.

    When a funder agrees to new terms, you review and sign that agreement with that funder. Nothing changes without your signature.

How long depends on the funder and the position. We give our estimate after the review, and we never promise weeks.

The renegotiation is carried out by Anchor Resolve and its negotiation partners. Your agreement, and your point of contact, is Anchor Resolve.

See the whole process, step by step

A dark rope made fast around a brass cleat on a varnished wooden deck.

One line to each funder. In writing.

A stacked business has three or four funders pulling from one account. Each funder gets its own letter, its own file, and its own written agreement.

A funder’s alternative to a negotiated schedule is collection and litigation, which is slow, costs money, and recovers nothing from a business that closes. Bloomberg Law reported in 2026 that merchant cash advance debt is now routine in small business bankruptcies. Nothing requires a funder to negotiate.

Sources: Bloomberg Law, Merchant Cash Advances Piling Up in Small Business Bankruptcies, February 24, 2026. Pressure on the industry: the New York Attorney General’s $1.065 billion judgment against Yellowstone Capital and related entities, 2025; Courthouse News Service, December 2024.
A funder’s choice on a defaulted balanceExhibit B
Sue: chasing one defaulted MCAcourt time and legal fees
Sue: collection after winningnot assured
Sue: a business that closes paysnothing
Renegotiate: a written schedule the business can carrypayments resume
Renegotiate: court costsnone

One letter goes to each funder, and each sheet here shows a different kind of request. Change the positions and the stack changes with it.

Positions 3

    Illustration only. These are examples of the kinds of request a funder can receive in a renegotiation, filled in with the numbers you entered. What a real letter asks depends on the agreement and the position. None is a client letter, none is being sent, and none proposes an amount or a reduction. Letters go out once you have signed your program documents.

    Negotiation teamIllustration Dated the day it is sentRef. REF-illustration-P1-4172, position 1 of 3
    To: funder name redacted, Attn: Collections Account: the position on file for business name redacted

    Re: A written payment schedule for this position

    We write on behalf of the business, name redacted, which holds 3 open advances, yours among them. Your position drafts $625 every business day, which comes to $3,125 a week and about $12,500 a month. That is 47 percent of the $6,625 the business pays across its advances each week.

    The business intends to honor its obligations, and 44 withdrawals a month now leave its account, 20 of them on this position. We ask that the daily drafts on this position be replaced by one payment on a written schedule, sized to the deposits shown in the enclosed statements, so that the business keeps paying.

    A proposed schedule follows once you confirm the balance on file. No term is agreed until both sides have signed it.

    Please direct your written reply on this position to the negotiation team named above.

    Enclosures: the last four months of bank statements; weekly deposit totals for the same period.

    Negotiation team, on behalf of business name redacted

    $2.22 billion

    Combined MCA defaults reported by PayPal, Shopify, Square, and Enova in 2024, up 59 percent from $1.40 billion in 2023. Distress in this market is common, not shameful.

    Source: ReverseConsolidation.com analysis of public filings, reported by Barchart, January 15, 2025; a company analysis by a seller of reverse consolidations, not a regulator figure.

    The honest version, including the parts other firms leave out.

    Who this is not for, how we charge, and what can still go wrong. Read this before the form.

    Three doors / Which one is yours
    The door Right when Who to call
    Refinance conventionally Revenue is healthy and a bank or SBA lender will look at you. Do this first if you can. Your bank or an SBA lender. We will tell you on the first call if we think this door is open.
    Bankruptcy, including Subchapter V The positions exceed what any renegotiation can carry, and a licensed attorney or a bankruptcy attorney tells you the court process is the better route. A bankruptcy attorney in your state. We will tell you if we think you are here.
    Renegotiate with us The business is viable and the daily and weekly drafts are the problem. Us, on the number in the footer, or the form below.

    What each door costs, and how long it takes, depends on the funder and the position. We give our estimate after the review, and we never promise weeks. Compare the three routes side by side

    How we charge

    The rule
    The federal rule that bars consumer debt relief firms from charging before a debt is resolved has applied since October 27, 2010. It was written for consumer debt, and business debt sits largely outside it. That is exactly why you should read the fee terms in your documents before you sign them.
    Anchor Resolve
    Anchor Resolve charges a fee for its services. Every fee is set out in the program documents you review and sign before any work begins. There is no separate fee agreement, and there is no fee that was not in the documents you signed. The consultation and the position review are free and commit you to nothing. If anyone asks you for money before you have read and signed those documents, stop and call us.

    Source: Federal Trade Commission, Telemarketing Sales Rule, 16 CFR 310.4(a)(5).

    The risks, stated plainly

    Collection can continue
    Enrolling in a debt relief program does not prevent a funder from pursuing collection or legal action while balances are being renegotiated. Missed drafts can trigger default.
    Your credit may be affected
    A personal guarantee means the business’s debt can reach you personally, and a judgment can reach your personal credit.
    We are not a law firm
    No legal advice, no representation. A lawsuit or a judgment is a matter for a licensed attorney in your state.

    Results vary. The full list is in our Disclosures; also how the renegotiation is structured.

    What we hold to, every time.

    Each standard comes with a test, so you can catch us if we break it.

    Our story and our standards

    1. We never cold call.

      The testIf someone calls claiming to be us and you never reached out, hang up. We do not make that call.

    2. We never quote a reduction before reading your contracts.

      The testIf anyone promises a percentage off before seeing your agreements, you are hearing a sales pitch, not a review.

    3. We never tell you to stop paying without explaining the risk.

      The testIf you hear “just stop paying” with no explanation of default, freezes, and lawsuits, that is a red flag, from us or anyone.

    4. You are told what was proposed to each funder, and you sign every agreement.

      The testAsk what was proposed to a funder and what came back. You should get a straight answer, not a runaround.

    It starts with one call.

    Start a conversation or text us

    The seven questions everyone asks first.

    Should I just stop paying my advances?

    No, not as a strategy, and not before you understand what happens next. Under most MCA contracts a missed or blocked ACH draft is a default, and a default can trigger acceleration of the full balance, default fees, UCC lien enforcement, and a lawsuit. If payments have to change, that happens inside a written plan, one position at a time, with the risks explained first. We never tell you to stop paying without explaining the legal risk.

    My bank account is frozen. What happens now?

    A freeze usually means a funder obtained a judgment and served a restraining notice on your bank, or a UCC lien letter is redirecting your receivables. The next moves happen in days, not months. Talk to someone today: us, or a business attorney in your state. Either is better than tomorrow. Before you change bank accounts or take another advance to cover this one, read your agreement’s default clause; both can be defined as default.

    How much does it cost, and when do I pay?

    The consultation and the position review are free. Anchor Resolve charges a fee for its services. Every fee, and when it is due, is set out in the program documents you review and sign before any work begins. We do not publish a fee schedule because every case is scoped individually, and we will never describe a fee as built into your plan.

    Will my funders know I talked to you?

    No. Nothing you share with us is passed to your funders or brokers, and nothing is sold. If you become a client, a negotiation partner receives only what the work requires, under contract and under confidentiality. We contact no funder until you have signed an agreement with us.

    Are you a law firm?

    No. Anchor Resolve is not a law firm and does not provide legal advice or representation. Anchor Resolve renegotiates balances and payment schedules with funders. A UCC lien or a judgment does not put your business outside what we do. A lawsuit runs on court deadlines that do not move for negotiations, and only a licensed attorney in your state can file an answer or appear in court, so if you have been served, talk to one now. We can still work your positions while that attorney handles what belongs in court.

    How long does it take?

    How long this takes depends on how many positions you hold, what your documents say, and how each funder responds. Anchor Resolve gives you its own estimate after the position review, and we never promise weeks. No firm can tell you in advance what a funder will agree to.

    How do I know you are not one of them?

    You do not have to take our word for it. Every commitment on this page comes with a test you can run yourself. We never cold call, we never guarantee an outcome, and we say so when a bank, a bankruptcy attorney, or nobody at all is the better answer.

    Every question, answered straight

    You do not have to work this out at 2am, alone.

    A real person, not a call center. Call, text, or send the form, whichever is easier tonight.

    Free consultation request

    Used to call you back, and to text you only if you tick the text message box below.
    A range is fine. It tells us whether we are the right door for you.
    If you would rather we write than call.
    How should we reach you? (optional)
    A line or two is plenty. For example: three advances, two daily and one weekly, account frozen Tuesday.

    By submitting this form you agree to our Privacy Policy and Terms of Service and consent to Anchor Resolve contacting you by phone or email about your inquiry. Text messages are separate and optional: they are sent only if you check the box above. Consent is not a condition of purchasing any service.

    • Nothing here is shared with your funders or brokers, and nothing is sold. A negotiation partner sees only what the work on your positions requires, and only if you become a client.
    • We contact no funder until you have signed an agreement with us.

    Not ready to talk? Start with what a frozen account actually means.

    Call (561) 397-9829 Text us