Anchor Resolve is a merchant cash advance debt relief firm that helps small business owners across the United States renegotiate stacked MCA balances and replace daily and weekly withdrawals with one manageable payment. The work runs by phone, text, email, and e-signature, so where a business operates does not change how the process runs.
Results vary. No outcome is guaranteed.
Key facts
No. A renegotiation is carried out in writing, by phone, and by email with each funder, and none of that depends on the funder, the business, or the firm sharing a state. Merchant cash advance funding is a national business: the funders that hold stacked positions are rarely in the same state as the business that signed, and most merchant cash advance contracts already name an out-of-state court, so the forum in a contract is rarely the owner’s home state either.
What a distant firm cannot do is appear in court for an owner, and neither can a nearby one unless it is a law firm. Anchor Resolve is not a law firm. Its office address, phone number, and public profiles are published on the facts page, where every claim on this site can be checked.
Four steps, in this order, and nothing changes without the owner’s signature.
The renegotiation is carried out by Anchor Resolve and its negotiation partners. Your agreement, and your point of contact, is Anchor Resolve.
There is no separate fee agreement. Fees are disclosed in the program documents, and you see them before you sign anything. The full process is set out step by step, and the Disclosures page states how the work is performed and what the risks are.
Results vary. No outcome is guaranteed. Nothing requires a funder to renegotiate anything.
Only where it may lawfully provide its services, which is not every state.
Debt relief and debt adjusting are regulated state by state. Some states require registration or licensure, some restrict who may provide these services, and some prohibit for-profit providers entirely. Most of those statutes are written around individuals and consumer debt, and this work is business debt owed by business entities, but the line is not the same in every state, and a personal guarantee can change the analysis.
Anchor Resolve holds no debt adjusting license and does not claim to be licensed. During the consultation Anchor Resolve confirms whether it can work with a business in a given state, and nothing on this website is an offer to provide services in a state where it may not lawfully do so. The full statement is on the Disclosures page.
Eleven states regulate merchant cash advances through commercial financing disclosure laws in force as of September 2026: California, Connecticut, Florida, Georgia, Kansas, Louisiana, Missouri, New York, Texas, Utah, and Virginia. The Louisiana law took effect on August 1, 2025, and Vermont has enacted requirements, H.648 (2026), that take effect on July 1, 2027. The list is carried with its sources on the statistics page.
A disclosure law governs what a funder must tell a business before the business signs. It does not undo an advance already signed, and most of these statutes apply only to financing consummated on or after their effective dates. Our guide to MCA laws by state lists each statute and what it requires, and our guide to New York’s MCA laws covers the state whose courts most merchant cash advance contracts choose.
Less than most owners expect. State law changes what a funder had to disclose and where a lawsuit is heard. It rarely changes whether a funder is willing to renegotiate a balance, because that decision is commercial: a funder weighing a negotiated schedule against collection and litigation is weighing a slow process that costs money and recovers nothing from a business that closes.
Where state law does bite, it bites in court, and that is where a licensed attorney in the owner’s state belongs. Anchor Resolve is not a law firm, does not give legal advice, and says so on the first call when a situation needs one. The two can run side by side: a licensed attorney handles what belongs in court while the positions are worked.
Results vary. No outcome is guaranteed.
How many positions the business holds, the balance on each, whether each one drafts daily or weekly, what the business actually deposits, and what has already been filed against it. A UCC lien or a judgment does not put a business outside this work. Anchor Resolve works with owners who have liens filed against their receivables and owners with judgments already entered. What changes is the order of operations and who else has to be involved.
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. The call is free, it commits you to nothing, and it ends with options rather than paperwork. The fifteen questions to ask any debt relief firm are worth printing first, including for this call.
Yes, in the states where it may lawfully provide its services. Renegotiation with a funder happens in writing, by phone, and by email, so the firm’s own location does not decide whether the work can be done. State law does decide it, which is why Anchor Resolve confirms availability during the consultation rather than claiming to serve every state.
No. The consultation, the program documents, and every new agreement with a funder are handled by phone, email, and e-signature. Nothing in the process requires a visit.
It changes where a lawsuit would be heard, not whether a balance can be renegotiated. Most merchant cash advance contracts name an out-of-state forum, and courts routinely honor those clauses. Whether a particular clause is enforceable against a particular business is a question for a licensed attorney in that owner’s state.
Usually not for an advance already signed. A commercial financing disclosure law governs what a funder must disclose before a transaction, and most apply only to financing consummated on or after the law’s effective date. A licensed attorney can say whether one reaches a specific contract.
Search the business registry of the state where the firm says it is registered, read its complaint records at the Better Business Bureau, and ask for its fee terms in writing before deciding anything. Anchor Resolve publishes its own address, phone number, and public profiles on its facts page as each one exists.
The contracts do not change at a state line, and neither does the first conversation.
Anchor Resolve is not a law firm and does not provide legal advice. Results vary; no outcome is guaranteed.
Free consultation. Fees explained in writing before any agreement.
Keeping your business afloat starts with one call.
