About Us

Merchant Capital Guide publishes independent, plain-English guides for small-business owners who are dealing with merchant cash advances (MCAs), stacked funding, and business debt.

What we cover

• Trouble with MCA payments — default, frozen accounts, UCC liens, and what is still negotiable.
• Consolidation and reverse consolidation — how buyouts of existing advances are priced and when they help.
• Restructuring, settlement, and relief programs — real costs, tax effects, and the warning signs of a bad program.
• Business funding basics — factor rates versus APR, what lenders look at, and working capital needs by industry.

Every guide opens with a short, direct answer and then lays the options out side by side so you can compare them yourself.

What we are not

• We are not a lender, broker, or debt relief company.
• We do not take applications, collect fees, or negotiate on anyone's behalf.
• Nothing on this site is financial, legal, or tax advice. For decisions about a specific contract or lawsuit, talk to a licensed attorney or CPA.

How we are funded

The site may earn referral fees from some companies we mention. That never changes what we write or how we rank options. See our advertiser disclosure for details and our editorial policy for how we research.

Get in touch

Corrections and questions are welcome — see the contact page.