Estimate your savings in seconds.
No signup, no docs. Built on the same model our negotiators use.
A clear path off the daily-debit treadmill.
Tell us about your advances
A 2-minute form. No documents to start — just the basics about your business and your funders.
Connect a bank or text docs
Read-only bank link or photos of your statements. We map your funders and balances automatically.
We qualify & negotiate
We screen which advances are settleable, what each funder will take, and work the number down.
You settle, lender-direct
You pay the lender directly on the lower plan. We debit only our disclosed fee.
The honest way to handle stacked advances.
We never touch your money
Your settlement goes straight to the lender. We debit only our own disclosed fee — never your settlement amount. No trust account, no float, no surprises.
Refund if we can't settle
Real skin in the game. If we can't get you a deal on your eligible advances, your engagement fee comes back. It's in the agreement, in writing.
Counsel-reviewed, not winged
Whether an advance is legally vulnerable — and every settlement document — is reviewed with independent counsel. We're not a law firm, and we don't pretend to be.
Every fee disclosed up front
A flat engagement fee plus a success fee on savings, both shown and e-signed before any work begins. Nothing hidden, nothing backfilled.
Business debt only
We focus exclusively on commercial cash advances. That focus is why we know which funders settle, at what, and how fast.
Built like a bank
Private, encrypted document handling and an immutable audit trail behind every number we show you and every notice we send.
What settling actually looks like.
Illustrative, anonymized examples of the kind of result we work toward. Individual results vary and are never guaranteed.
Two stacked advances settled around 50% after a credible default position.
Three funders worked down over several weeks; lender-direct payoff.
Aggressive funder; settled fast under documented hardship.
Owners who got their cash flow back.
“The daily pulls were going to close us. They cut what we owed almost in half and I never once worried about where my money was.”
“Straight with me the whole time about the risks. No promises they couldn't keep. The plan was exactly what they said.”
“I'd stacked four advances trying to stay afloat. They untangled it and I'm finally making payroll without panic.”
Representative client experiences. Individual results vary.
The guardrails are the product.
We built MCA Clarity so the right thing is the only thing the software can do — no fund custody, disclosed fees, a hard commercial-only gate, and an attorney checkpoint before any settlement is final.
Questions, answered straight.
Is this for personal or business debt?+
Business only. MCA Clarity works exclusively with commercial cash advances taken for business purposes. You'll attest to that before we begin — consumer debt is not eligible.
Do you take my settlement money?+
Never. Your settlement payment always goes directly from you to the lender. We only ever debit our own disclosed fee, on a separate schedule you authorize.
What does it cost?+
A disclosed flat engagement fee plus a success fee charged only on the savings we actually achieve — both shown to you up front, in writing, before you sign. If we can't settle, your engagement fee is refunded.
Are you a law firm?+
No. MCA Clarity is not a law firm and does not provide legal advice. When a matter needs legal judgment — including whether an advance is legally vulnerable and reviewing settlement documents — we route it to independent counsel.
Is there a risk to pausing payments?+
Yes, and we won't pretend otherwise. Any strategy involving your payments carries real risk and no guaranteed outcome. We disclose those risks in writing and require your acknowledgment before discussing specifics.
How long does it take?+
Most cases move from intake to a negotiated settlement over a number of weeks, depending on your funders and how quickly we get your documents. You'll see every stage in your dashboard.