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125 Half Mile Road Suite 200
Red Bank, NJ 07701
United States

Monday - Friday
8 am - 2 pm
3 pm - 7 pm
EST

Strategic MCA Restructuring for Small Business Owners

Eastern Financial Partners Icon Logo
Simplify
Your
Finances
📈


 

Reduce your MCA payments by up to 60%
and regain cash flow control through attorney-led negotiation.
Why Small Business Owners Choose Eastern Financial Partners
  • In the industry since 2016
  • Attorney Network of 500+
  • Restructured over $1B in Debt





Our Latest Success Stories

See how small businesses reduced MCA payments and regained control.
Free & Confidential
Your business debt consultation is 100% free and confidential; no pressure, no obligations
Immediate Relief
Eligible businesses often see a significant improvement in cash flow within days of restructuring approval
Avoid Litigation
Our legal team works to resolve MCA obligations through negotiation, helping you avoid costly and time-consuming litigation

About

With You Every Step Of The Way
We are committed to helping small business owners regain control of their cash flow through expert-led merchant cash advance restructuring.

Our dedicated team of business debt specialists and attorneys will guide you through the entire process, from your first consultation to the final resolution.

Eastern Financial Partners Team
MCA Restructuring Team

Commonly Asked Questions

What services do you offer?

We provide business debt restructuring for businesses with Merchant Cash Advances only. We specialize in MCA negotiations, making us the best choice in the country for businesses restricted by MCA terms.

How does debt restructuring work?

Every business's debt is unique and the restructuring plan is on a case by case basis, however in a general term, we analyze your debt commitments and your payment schedules, and based on the lenders, we can determine how much of the commitments can be renegotiated.

Our attorneys bundle restructuring agreements when they submit new terms to lenders, giving you the best new terms possible to open up your business cash flow, along with getting you out of the debt faster than on your own.

Can I afford this?

Your daily or weekly Merchant Cash Advance payments are usually exorbitantly high, and when we renegotiate your MCA terms, the new payment will be lower than what you are paying now, the principal balance will be lower, and our service charges will be already included in your lower payment.

We are in the business of helping small to medium-size businesses, making sure they stay running & keep their cash flow profitable.

What are some common mistakes to avoid?

Do not reverse consolidate your loans, which is taking out a new Merchant Cash Advance to pay for your other advances. This significantly raises the factor rate / interest on the initial principal, costing you 2-3 times the original amount.

Also, make sure to include all of your business debt to your financial advisor, and include a history statement for each MCA you may have.

I was soooo stressed out about all of the Advances I took to keep our Home Health business afloat. It was such a relief to get all of that restructured by Eastern Financial Partners; my clients & I will be forever grateful.
Mia, Home Health, 2/2023

Interest Saved: $71k
Program Length: 12 months

Being able to trust them to do their job allows you to take care of what's important in your business.
Terry, Commercial Contractor, 10/2023

Interest Saved: $51k
Program Length: 16 months

Within 3 months I started to see how the debt was going down and I felt this huge weight lift off of me.
Luis, Trucking, 6/2023

Interest Saved: $22k
Program Length: 9 months

Over the past few years, our business suffered from a series of unexpected financial setbacks—of which the pandemic was the final straw. We are beyond grateful to have been introduced to Eastern Financial Partners.
Vlassis, Rehabilitation, 11/2022

Interest Saved: $41k
Program Length: 8 months

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