MCA DEBT SETTLEMENT
MCA payments taking too much from your business?
When daily or weekly withdrawals leave too little for payroll, suppliers, and everyday operations, you need a practical way forward. Sentry & Sage Consulting helps you evaluate MCA debt settlement, connect with experienced negotiators, and explore payment-processing protection that supports your business while you address its debt.
✓ MCA settlement evaluation
✓ Payment-processing protection available
✓ No required transfer of business ownership
Let’s review your MCA situation.
Meaningful debt reduction.
A clearer path forward.
80% or More
Our settlement providers achieve average debt reductions of 50–60%, with some settlements reducing balances by 80% or more. Your evaluation considers your obligations, available resources, and circumstances so you can understand the proposed approach before committing.
50–60%
Average Debt Reduction
Debt Reduction in Some Settlements
Results vary. These figures describe reductions in debt balances, not net savings after provider fees and program costs. Settlement outcomes are not guaranteed.
A clear process for addressing MCA debt.
Start with an evaluation of your obligations and the pressure they place on your business. We help you understand the proposed settlement approach, available financing alternatives, and support for continued operations.
1
We discuss your MCA balances, payment schedules, cash flow, and business goals. This helps determine whether settlement or a financing option deserves further evaluation.
Review your situation
This settlement approach does not require creating a new business entity or transferring ownership as some firms suggest
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2
Before engagement, review the settlement agreement, fees, payment obligations, and proposed approach. We also evaluate protecting your businesses cash flow during the settlement process.
Understand the proposed program
3
Upon engagement, negotiators begin file review, creditor outreach, and negotiations without waiting for a large reserve to accumulate. At the same time, we begin protecting your revenue and planning your path to continuity.
Begin the work
PAYMENT-PROCESSING PROTECTION
Address the debt. Protect access to your revenue.
Negotiating MCA debt is only part of the picture. Your business still needs access to it's revenue to cover payroll, suppliers, and everyday expenses. Our program addresses that operational risk alongside settlement.
Eligibility and program conditions apply. This program does not prevent every type of hold, court order, or collection action.
Why your processing funds may be at risk
An MCA funding agreement generally includes a security interest in your business assets, including accounts receivable, recorded through a UCC-1 filing. If payments fall behind, a lender’s collection notice to your payment processor will often trigger a hold on payouts—even while customers continue paying you.
Protection through pre-negotiated relationships
Our pre-negotiated processing relationships give our clients access to our exclusive processor network who will not hold card-processing because of a lender’s UCC notice while the business remains actively engaged in the participating settlement program.
Plan for business continuity
We review your current payment setup, explain eligibility and program conditions, and help coordinate a processing transition where appropriate. Protected processing requires specialized relationships arranged in advance; it is not something every settlement advisor can provide.
Frequently asked questions