Common Questions
Straightforward answers about how MCA restructuring, business loan modification, and vendor debt relief work — and what to expect.
A merchant cash advance is a purchase of future receivables, not a traditional loan, which means it falls outside many standard debt-resolution frameworks. We negotiate directly with your MCA funders to restructure the remaining balance — typically by converting daily debits to weekly, extending the effective repayment window, or settling the remaining payback amount for less than the full balance. The approach depends on your funder, how far into the advance you are, and the strength of your position. We explain all of this before you enroll.
It can. The credit impact depends on the approach and the creditor. Negotiated settlements are generally reported differently than outright defaults, but some creditors do report modified or settled accounts in ways that affect your credit profile. MCA funders typically do not report to consumer bureaus, though their contracts may have other consequences. We walk through the specific credit implications of your situation before you enroll — we do not hide this. We also recommend consulting a financial advisor for advice specific to your business and personal credit profile.
Timelines vary significantly depending on the number of creditors involved, the type of debt, and how quickly creditors respond. Some clients reach restructured payment terms within a few weeks. Situations involving multiple MCA positions, term loans, and vendor balances simultaneously can take longer — months in some cases. After we review your debt picture, we give you an honest estimate rather than a guarantee. We update you throughout the process so you are never left wondering what is happening.
The initial consultation is free and carries no obligation. If you choose to enroll in a program, all fees are disclosed in writing before you sign anything. We do not collect undisclosed fees, and we do not charge upfront before services are rendered. Ask us specifically what the fee structure looks like for your situation during your consultation.
No. We do not lend money. ASAP Funding Solutions is a debt restructuring and negotiation service. We work with your existing creditors on your behalf to modify or resolve what you already owe. You are not taking on new debt by working with us.
Yes — in fact, most of our clients come to us while still running their business. The goal is to relieve debt pressure before it forces a shutdown or forces you to make decisions you would otherwise avoid. We work with businesses across many industries, nationwide. The best way to find out if you qualify is to submit a free consultation request and let us review your situation.
For the initial consultation, you typically just need a general sense of your debt obligations — how many positions, the approximate amounts, and who the creditors are. If you enroll, we will need supporting documents such as your MCA or loan agreements, recent bank statements, and basic business financial information. We tell you specifically what we need at each stage; we do not ask for more than is necessary.
Our fees are performance-related and disclosed upfront. We do not earn a fee unless we deliver results on your behalf. The specific structure — whether it is a percentage of enrolled debt, a flat program fee, or another model — is explained clearly in writing during enrollment. You will not find hidden fees or surprise charges after the fact.
Cancellation rights depend on the program agreement you sign and the stage of the process. We explain the cancellation terms before you enroll. In general, if we have already begun active negotiations with your creditors on your behalf, some fees may be non-refundable for work already performed. We recommend asking about this specifically during your consultation so you understand your options before committing.
Yes, and stacked positions are one of the situations where professional negotiation tends to matter most. When multiple funders are each debiting your account independently, coordinating a resolution across all of them simultaneously is more effective than trying to settle them one at a time — and often results in a more manageable combined repayment. We look at your full MCA load together and work to reach terms across all positions, where possible.
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