Corporate Debt And MCA Restructuring

Corporate debt restructuring is a process that helps your business regain financial stability by renegotiating, consolidating, or modifying existing debt obligations. This includes MCAs, business lines of credit, private loans, and mortgages.

We review all your current MCA positions, then develop a global repayment strategy that works within your company’s real revenue and cash flow. We negotiate with lenders and funders to reduce payments, extend terms, and remove liens when possible. If litigation has begun, we can coordinate with top-tier MCA attorneys to protect your interests.

Our primary focus is maintaining your company’s ability to operate. While certain funders may report late payments, our structured plan helps demonstrate active resolution — improving your financial stability in the long run.

Typically, we’ll need recent business bank statements, current debt agreements, and any communications from lenders or attorneys. Don’t worry — we’ll guide you through what to gather and when. In certain situations, we may need a trailing 6-12 P&L.

Most clients begin seeing relief within a few weeks, though full restructuring can take several months depending on the number of funders and complexity of obligations.

Yes. Once you engage our team, we manage communications directly with funders or their attorneys, reducing stress and confusion for you.

We will need to work alongside experienced MCA litigation attorneys who can step in to defend, while we continue negotiating your overall financial strategy.

We believe in transparency. You’ll receive consistent updates and a clear outline of what to expect at every stage of the process — including any potential challenges, risks, or timeline adjustments.

No. Douglass Advisory does not advise or encourage clients to miss payments in order to begin negotiations with any lender or MCA funder. Doing so can lead to default penalties, late fees, legal escalation, and other serious consequences. In some cases, clients may already be facing unavoidable payment interruptions due to cash flow shortages or operational emergencies — such as being unable to cover payroll, rent, or critical vendor obligations. If this occurs, our team will work with you to assess your financial position, evaluate risks, and coordinate with experienced MCA attorneys when appropriate. Our goal is always to preserve your business, protect your assets, and explore restructuring options
within ethical and lawful boundaries. We’ll never recommend missing payments as a negotiation tactic — only guide you in developing a strategy that aligns with your company’s financial realities and legal obligations.

A UCC lien gives the funder a secured claim over your business’s receivables or assets. It may block new financing, trigger processor holds, or escalate collection efforts. Through restructuring and coordinated legal strategy, these impacts can often be reduced or resolved.

Yes. Many UCC liens can be removed once a restructured agreement is reached or when a lien release is negotiated to reinstate cash flows to remove a dire situations such as not making payroll. Each funder is different, but lien removal is a common part of MCA workouts.

Timelines vary depending on the funder and complexity:
– Simple cases: 1–2 weeks
– Moderate cases: 3–6 weeks
– Litigation or multiple-funder cases: 6–12+ weeks
Once a funder agrees, their attorney files a UCC-3 termination, after which state records update within days.

Processors typically resume normal deposits once the dispute is stabilized, funders stop interference efforts, and attorneys confirm that negotiations are underway. Most processors release funds within 3–10 business days after stabilization.

This is very common. We create a global restructuring strategy that prioritizes funders based on escalation risk, negotiation flexibility, and lien position. With coordinated negotiation, even stacked liens can often be resolved.