MCA debt relief · Debt consolidation · Business capital
Daily debits draining the business? Get a plan before the next one hits.
Kubera Finance reviews your merchant cash advances and other business debt, then points you to the right path: negotiated relief, consolidation financing, or new capital. A real person reads your file.
30-second check
- A person reviews every inquiryNot an auto-decline form.
- You see the costs up frontFees and total repayment, in writing.
- Your files are not shared by defaultNothing goes to a provider without your OK.
- No promises we can't keepApproval and savings depend on funders and lenders.
Two different fixes
Reduce the debt, or replace it. They are not the same thing.
Most owners hear both pitches at once. Here is the plain difference, so you can tell which conversation you actually need.
MCA debt relief & settlement
A specialist provider negotiates with your funders to lower the payoff, settle for less than you owe, or change the payment terms. No new loan is issued.
- May lower the balance, if funders agree
- May change payments if funders agree
- Can be discussed when payments are unsustainable
- Funders can refuse. Savings are not guaranteed.
- Provider fees apply. Collections can continue during talks.
Business debt consolidation
A new term loan or line of credit pays off eligible debts, leaving a new repayment structure, subject to provider approval.
- Fewer payments, a calmer schedule
- Requires review of financing eligibility
- Review the effect on your obligations
- Does not reduce what you owe by itself
- Lower payments can still cost more in total
Does this sound like you?
Signs it is time to talk to someone
You do not have to be in default to ask. Earlier reviews leave more options open.
Start my free review- More than one MCA, and new advances are paying off old ones
- Daily or weekly debits leave too little for payroll or suppliers
- You have missed a debit, or the funder has called or sent notices
- A funder froze your account or threatened a lawsuit
- You were told to "just get another advance" to cover the gap
How it works
Three steps, and you stay in control
Tell us what you owe
Answer a few questions about the business and your current payments. Skip anything you are unsure about.
We prepare your brief
Upload statements through the private portal. We use them to prepare for the conversation.
Talk it through, then decide
We walk through options, fees and total cost. An inquiry is not an approval, and you owe nothing for asking.
Need capital instead?
Funding for growth, receivables and equipment
When the need is new funding, not old debt, start here.
Revolving capital backed by eligible business assets
- Consider for
- Companies with receivables, inventory or equipment
- Review
- Eligible assets, existing liens, financial position
- Prepare
- Financials, receivables aging, asset records
Capital against eligible unpaid B2B invoices
- Consider for
- B2B businesses waiting for customer payments
- Review
- Customer credit, invoice age, disputes
- Prepare
- Invoice list, customer list, aging report
A defined amount repaid over an agreed term
- Consider for
- A defined purchase, expansion or eligible refinance
- Review
- Cash flow, time in business, credit, collateral
- Prepare
- Bank statements, tax returns, financials
SBA-backed financing for eligible business needs
- Consider for
- Businesses meeting current program and lender requirements
- Review
- SBA rules, lender underwriting, use of funds
- Prepare
- Financials, tax returns, ownership details
Straight answers
Questions owners ask first
Is this a loan?
MCA relief is not a loan. It is a negotiation with your existing funders. Consolidation does use new financing, if you qualify.
Will you guarantee I qualify or save money?
No. Funders and lenders decide. We tell you early when a path looks unlikely so you do not lose time.
What does it cost to ask?
Nothing. The review is free. Any provider fees or loan costs are explained in writing before you commit.
Will funders stop calling or suing while we talk?
Not automatically. Collections or legal action can continue during negotiations. If you have been served, tell us right away.
Who sees my documents?
Kubera’s reviewers only. We do not share them with a provider or lender without your permission.
Next step
Give the business room to move.
Start with the payments hurting most. We will take it from there.