How to Lower MCA Payments Without Defaulting
6 min read
Missing payments can trigger fees, collection activity and closed doors for future funding. If your payments are too high, act before you fall behind.
1. Know your real numbers
Add up every daily and weekly debit and compare it with your average monthly deposits. Seeing the true percentage makes every next conversation easier.
2. Talk to your funder early
Many agreements include a reconciliation process when revenue drops. Ask in writing and keep records of every conversation.
See what your payment could look like
Apply in a few minutes and send your last 4 months of bank statements for a free review.
3. Consider restructuring or consolidation
If several advances are stacked, a consolidation or amortization can replace them with one lower payment on a longer schedule.
What to avoid
- Taking another short-term advance just to cover existing payments
- Anyone who tells you to stop paying without a written plan
- Signing anything you haven't read in full
Common questions
- Should I stop paying my funder while I look for help?
- Stopping payments without a written plan can create serious problems. Talk to a professional and review your agreements before making changes.
See what your payment could look like
Apply in a few minutes and send your last 4 months of bank statements for a free review.
This guide is general information, not legal or financial advice. Terms vary by funder and agreement.