Need a 3rd third position merchant cash advance?

Does your business need a 3rd position merchant cash advance?   Fast funding, including same day funding.  If your business needs another advance or 3rd position position cash advance, apply now below:

Complete the Secure DocuSign >>15 Second 3rd position merchant cash advance Application now.<<
Or call us at Tel:  1-919-771-4177, or Question?

How to get a 3rd position mca merchant cash advance:

  1. Decide how much money your business needs.  Then calculate how much the business can afford to pay each day.   For a 3rd position advance, figure out how much is the maximum you can afford per day and the total your business can pay for cash advances overall.
  2. Apply for the cash advance program that best matches your business cash flow.
  3. If approved, review all closing documentation and requirements.   If needed have a specialist review the contracts and return completed contracts and all documentation for funding.   Complete merchant funding call with the funder.
    Funds are deposited into your business checking account the same day or next day.
Need a 3rd position merchant cash advance
Does your business need another cash advance?

F.A.Q.’s, Frequently asked questions, comments and requests.

My business needs capital.  We already have 2 merchant cash advances but need more capital.   Can our business get another cash advance?   We need a 3d position merchant cash advance.
Answer:  yes.   Your business can get another merchant cash advance.   We will also assist you in making sure your business has the cash flow to handle and pay the cash advance.   If so, your business will be made an offer.

“What are the terms?   How long can we get the cash advance for?”

Payments and terms can be between 60 and 180 days.   The terms offered will depend on your business’ cash flow, and ability to handle the debt and repay.

Will the funder decline me because I already have cash advances?

No, the funder will not decline your business because you already have cash advances. The funder will review your cash flow and determine how much more funding your business can handle.

I want the maximum I can get. How do I know if the lender is offering the most I qualify for?

Your business will always get the highest offer it qualifies for. Whatever your business profile can be approved for, your business will receive that offer for funding. There are not any limitations on the program. You do not have to worry that you should have received more funding under another program. Your business will always get the maximum it qualifies for.

Are there other programs available for funding instead of getting another advance?

Yes, there are several other programs that your business might qualify for instead of a cash advance. Some of those that many businesses might qualify for are listed below.

Accounts Receivables Financing

Accounts Receivables Financing is a type of financing through which your business can get paid now on invoices for payment that have already been sent. This works especially well if your business often has to wait 20, 30 or more days to get paid.
The cash flow of millions of businesses suffer because they are paid 2 to 6 weeks after issuing an invoice for payment instead of immediately after an invoice has been sent.

Real Estate Leaseback

Funding based on the real estate you own, commercial or residential. Take the equity out of Real Estate and also get a tax write off in many cases.

Need a 2nd second position mca merchant cash advance?

Get a  2st second position merchant cash advance.   Get funding the same day.  I you need a 2nd second position mca cash advance with competitive terms, click now below:
Complete the secure Docusign >>>15 Second Application now.<<<
Or call us at Tel:  1-919-771-4177, or I want a 2nd second position cash advance

How to get 2nd second position cash advance:

  1. Review your funding needs.   Look at your cash flow.   How much can you afford to repay per week or per day?
  2. Apply a funder with the best  products  matching your businesses’ needs, credit and time in business.
  3. If you are approved, look at the daily or weekly repayment and the mca or loan contract.  If you agree, provide all the required closing documentation and complete the transaction. funds into your business checking account.
  4. Funds are deposited into your business checking account.

Need a 2nd second position merchant cash advance?

F.A.Q.’s, Frequently asked questions, comments and requests.

I want a 2st first position merchant cash advance with low rates.   Do you offer
second position with longer terms?
Answer:  yes.   You can be approved for a 2nd position and get 1.19 rates if your business qualifies.   If you already have a position now, you may be able to payoff your existing 1st first position cash advance.

Need a 2nd second position mca merchant cash advance
Get a 2nd position mca merchant cash advance and lower your payments. *if qualified.

How do renewals work ?

Renewals are available at 50% and 75% paid down.

“What are the longest terms?”

Terms are usually a maximum of 360 day, but Options are available for 3, 4 and 5 years if your business qualifies.

More F.A.Q’s. frequently asked questions, requests and comments:

I have an existing merchant cash advance.  Can I pay it off ?

your existing position can be Paid off if your balance is low.  estimate the balances on your existing advances when applying.

How important is credit?

Credit is NOt the main factor.   strength of cash flow is more important.

I need a low daily or  weekly payment.   I need my daily cash advance payment to be lower than it is now.   Can I get a lower payment than I have now?

The lowest daily, weekly and monthly payments are available. terms as long as 24 months or longer are available to lower your payment.

What if I don’t qualify?

If your business does not qualify , there are other programs you may also qualify for to.

Accounts receivables financing
If a merchant cash advance cannot be obtained, a further option is also accounts receivables financing.  When your business has to wait more than 2 weeks to get paid on invoices but needs funding in one or two days, review accounts receivables financing.    Get paid about 80% of the face value of the invoice immediately.   Once the company you have invoiced pays, get the remainder less a 1% to 5% fee.

Asset based loan
Get funding for your business based on the assets.  Assets can be real estate or certain types of equipment.   Find out more

Need a 1st first position merchant cash advance?

Get a  1st first position merchant cash advance.   Same day funding available.  If your business is interested in a 1st position cash advance with low rates available, apply now below:
Complete the secure DocuSign >>15 Second Application now.<<
Or call us at Tel:  1-919-771-4177, or Do you need a 1st first position cash advance?

How to get first 1st first position cash advance:

  1. Review your funding requirements.  Calculate how much you can afford to pay per day or per week.
  2. Apply with a merchant cash advance company or funder that offers the best  products that match your businesses’ cash flow, credit and time in business.
  3. If your business is approved, review the daily or weekly repayment terms and the merchant contract.  If you agree, submit all the required closing documentation and close  transaction.
  4. Receive funds into your business checking account.

Need a 1st position merchant cash advance?

F.A.Q.’s, Frequently asked questions, comments and requests.

I am looking for a 1st first position merchant cash advance.  Do you offer a 1st first position with lower rates?
Answer:  yes.   You can be approved for a  1st first position and also get rates as low as 1.18.   If you have an existing position now, another benefit is paying off your existing 1st first position cash advance.   Buying out your existing 1st first position will mean you will still only have 1 merchant cash advance position after funding.

We may need funding again later.  Can you help ?

Yes. Renew at 50% and 75% paid down.

“How long is the cash advance for?”

Terms are usually 60 days to 360 days. Options are available for 3, 4 and 5 years if your business qualifies.

 

Need a 1st position merchant cash advance?
Need a 1st first position merchant cash advance? Lower your daily or weekly payment.

More F.A.Q’s. frequently asked questions, requests and comments:

What if I have an existing merchant cash advance and also want to pay it off ?

If your balance is low enough your existing position can be Paid off.  You will still have only one advance.

I only need  funding now and do not want funding in the future.  Can I get longer term ?

There are longer term programs between 1 year or 252 business days, 18 months or 378 business days, or 2 years and 504 business days available.  Fast funding.  1 to 2 hour approvals and same day funding available in many cases.

Is credit important when applying for?

Credit is not a main factor.   The company’s cash flow is more important.

I need a lower daily payment or a lower weekly payment.  Can I get a lower daily payment on a first position cash advance?

Lower daily, weekly and monthly payments are available. Terms can also be extended up to 12 or 15 months or longer to lower your payment.

How can my payment be lowered?

Your payment can be lowered by buying out your 1st first position merchant cash advance. If the balance of your first position has been paid down more than 50%, then the 1st position can be paid out. A longer term of 12, 15 or 18 months can be approved and your daily payment will be lowered as much as 25% to 50%.

If I do not qualify, what other programs can my business be approved for?

If your business does not qualify for this program , there are other programs you may also qualify for to.

Accounts receivables financing
If a merchant cash advance cannot be obtained, a further option is also accounts receivables financing.  When your business has to wait more than 2 weeks to get paid on invoices but needs funding in one or two days, review accounts receivables financing.    Get paid about 75% of the face value of the invoice immediately.   Once the company you have invoiced pays, get the remainder less a 1% to 4% fee.

Asset based loan
Get funding for your business based on the assets.  Assets can be real estate or certain types of equipment.   Find out more

 

 

How to get money for Payroll

Get money for payroll today.   Same day funding available.  If your business is interested in how to get money for payroll immediately, call us or apply now below:

Complete the secure Docusign >>>15 Second Application now.<<<
Or call us at Tel:  1-919-771-4177, or get Money Payroll here.

How to get money for payroll:

  1. Review your payroll needs.  Calculate how much you need, for how long and how soon.
  2. Get your business financial information together.   This includes an interim or monthly profit and loss statement, copy of your monthly payroll, tax returns and bank statements.
  3. Look for payroll finance companies that meet your needs and requirements.
  4. Contact qualifying companies and request their qualifying criteria.    Match and prioritize your needs with company that meet your criteria and can qualify with.
  5. Once approved, review terms and contact.  If accepted, provide all closing documentation and complete transaction.
    Received funds for payroll into your business checking account.

F.A.Q.’s, Frequently asked questions, comments and requests.

Need money for payroll asap.  Can you fund payroll today?
Answer:  In many cases, yes.   If you qualify and apply before 2 P.M., same day funding may be possible.

How to get money for payroll asap. Fast payroll financing.
Get money for payroll same day or next day. Use the financing each time you need funds for payroll.

We may need money for payroll again. Can we use this financing in the future to financing payroll?

Yes. You can use the financing like a line of credit. You borrow, repay and reuse the line again.

“How long can we borrow the money for?”

Terms are usually 30 to 90 days. Options are available for longer term if your business qualifies.

How can you get money for payroll?

Find companies that offer company payroll financing.

Find out what their requirements are.
If qualified, apply.
Once approved, provide all closing documentation required.
Receive funds into your business checking account.

More F.A.Q’s. frequently asked questions:

What if I have 1099 contractors and are not official employees of the company?

Indicate this when applying.    There are programs available to financing your employees if they are 1099 employees.

I only need payroll financing this time and do not expect to need it in the future.  Can I get longer term payroll loan?

There are longer term programs  if you believe your company will rarely need payroll financing in the future.   Terms available are monthly and can be financed for as long as three to five years.

Is credit important when applying for payroll financing?

Credit is not a main factor in payroll financing.   The strength of your business and cash flow of your business is more important.

If I do not qualify for payroll financing, are there other programs available?

If your business does not qualify for payroll financing, there are other programs you may qualify for to meet payroll.

These include the following:

Bank statement loans
Loans based on the cash flow of your business.   If your business generates more than $7,500 per month in deposits and has more then 4 deposits per month.

Accounts receivables financing
If payroll financing cannot be obtained, another option is also accounts receivables financing.  If your business is waiting more than 2 weeks to get paid on invoices and needs funding within one or two days, consider accounts receivables financing.    Get paid approximately 75% of the face value of the invoice immediately.   Once the company you have invoiced pays, get the remainder less a 1% to 4% fee.

How to get money for product orders

How to get money for product orders:

  1. Determine how much money the business needs.
  2. Find a funder that specializes in business funding for product orders.
  3. Contact the lender and find out the approval criteria.  If your business meets the criteria, apply.
  4. If approved and terms are acceptable, gather required closing documentation to fund loan.

Get money for product orders now.   Call below for assistance.

Complete the secure Docusign >>>15 Second Application Now.<<<
Or call us at Tel:  1-919-771-4177, or get money for Product Orders.

F.A.Q.’s: Frequently asked questions, comments and concerns:

“Need money for product”. “How can I get money for product orders”
Answer: Work with a program that specializes in getting money to businesses for product orders. Many lenders do not offer this specific type of financing but may offer a financing product that is a bad fit for your need to get a business loan for product orders that you need asap.

Can I get a loan for product orders the same day?
Answer:  Funding may not be available the same day.   If approved, funding can take place within 2 or 3 business days.   After your company has completed the job, you may qualify for accounts receivables financing.

Question:
What is looked at for product order financing?
Answer:  Some of the main things that are looked at to qualify for product order financing include:
The quality of the company your business is providing product for.
The likelihood that the company your business is providing product for will pay after the product has been received.
The strength of your company.   Does your company have the financial strength to withstand not being paid for 30 to 60 days after delivering the product?
Can you qualify for accounts receivables financing?
After product has been delivered, your company will send out an invoice.  If the company that has received the invoice has a history of waiting 30 to 60 days to pay, then they will also be looked at to qualify for A/R financing.

Can my business afford an mca merchant cash advance?

How can I figure out if my business can afford an mca merchant cash advance?   Information to help calculate if your business can afford an mca merchant cash advance.   If so, step by step instructions on how much of an advance your business can afford.   To get more information or apply for an advance safe for your business, begin below.
Complete the secure Docusign >>>15 Second Aapplication now.<<<
Or call us at Tel:  1-919-771-4177, or get an affordable mca merchant cash advance.

Can my business afford an mca merchant cash advance?

  1. Find the lowest deposit month of your last 3 months business checking account deposit totals.   Example, $50,000.
  2. Take that figure and multiply it times .20.  This is approximately the amount you should conservatively be taking for an mca merchant cash advance.
  3. Contact mca companies and apply.   If you are approved for more than your recommended safe amount,  do not take more unless you are sure you can make the payments.
  4. Close the cash advance and funds are deposited into your account.

How much of an advance can my business afford? Example, how to calculate:

Below is an example of how to calculate a conservative funding amount.

  1. Look at your most recent (3) months business checking account statements.  Find and add the amount of your total deposits.  Most banks give you one amount and list it as “total deposits”.   Some banks will also have a separate entry for electronic deposits.  If your bank itemizes different deposit types, add them up.  Example figures are below.
    December total Deposits $25,000
    January total Deposits = $15,000
    February total deposits = $19,000
  2. The lowest month is January at $15,000 in total deposits.   Multiply $15,000 X .2 = $3,000.     $3,000 is a safe and conservative amount.   
  3. A more aggressive amount is $15,000 times .5 = $7,500.
  4. Figure out your daily payment.   On average, the term of an mca merchant cash advance is approximately 6 months.  For $3,000,  your daily payment will be approximately $3,000 X 1.35 % (6 x 21) = $155.77 per business day.    There are approximately 21 business days per month.   The rate factor used here is 1.35.
  5. If you can handle this payment for 6 months, you can close the transaction.
Can my business afford an mca merchant cash advance?
calculate how much of an mca merchant cash advance your business can afford. Get conservative and aggressive amounts.

Other factors that affect offer and approval amounts:

Depending upon other factors such as time in business, average daily balances and amount of revenues, the funder may offer a much larger business loan or advance.    Your business may be able to handle a larger amount.   The purpose here is to determine what is a conservative and safe amount.

More disposable income with higher deposits

Businesses with higher gross deposits can often afford a higher advance. This is because the same percentage of disposable income equals a higher dollar amount. If your business has fixed total expenses of $7,500 out of $10,000, then it has disposable income of $2,500.
When gross deposits are $100,000 and fixed expenses are $75,000, then disposable income is $25,000.
In the later case, a business will be able to handle a larger merchant cash advance, because their total gross deposits are higher.

Many businesses continue to take out merchant cash advances by renewing them once they are paid off.  If your business is taking out a merchant cash advance for the first time, try a lower amount first to make sure your business has the cash flow needed and can handle it.   If so, you can take out a larger amount on a second advance.

I need an mca merchant cash advance payment I can handle and pay.   I need a cash advance that is not dangerous and safe for my business.  How can I get that?

Refer to the formula above to figure out how much of a payment your business can afford.   Also consider how much that would be per month.  When businesses takes out an mca merchant cash advance with a daily payment, they often do not calculate how much that will be per week and per month.

 

How to get money to stay in business

“I need money to stay in business”. “I need working capital to keep my business open. ”  What are my options on how to get money to stay in business and keep your business open?

There are several options most businesses have an excellent chance to qualify for.   Join the many funded business owners that could not get funded before.  Contact us below now.

Complete the secure Docusign >>>15 Second Aapplication now.<<<
Or call us at Tel:  1-919-771-4177, or get money to stay in business.

How to get money to stay in business:

  1. Calculate your recent cash flow numbers.  This includes monthly gross and net income.   Look at your assets and your credit.
  2. Find lenders that offer funding programs based on your numbers and your strengths.
  3. Apply for the program that you determine best fits your company’s profile and has the best chance for approval.

Consider all loan options to make sure you are not missing any opportunities for funding.   You may be able to get funding through programs you were not aware are available.

How to get money to stay in business
Get money to stay in business by matching your strengths to company programs.

 

F.A.Q. – Frequently asked questions and requests:

Question:

Where can I get money to stay in business?

Answer:

Alternative funders are the best places to get funding when your business is struggling.   If your business is having problems, a regular bank will very unlikely approve your business for funding.
If you have proof of income for your business, such as bank statements or business tax returns, you may get funding based on revenues, such as a bank statement loan.

Question:

I’ve tried to get funding and have been declined.   Why would this be different?

Answer:

This approach focuses on how you have gone about looking for funding.    Randomly applying based on presentation and what the representatives have told you are usually not the best funding programs for your business.

Some funders focus on better credit.  If your credit is not good, you may have been declined for credit.    It may have been better to apply with a lender that focuses on tougher credit customers.

Some lenders focus on programs that give more value to businesses that have strong assets or strong cash flow.  If your business does not have either of these then you may have applied for the wrong programs.

Matching business loan programs to your company’s strengths is critical.   Make a mental list of your company’s strengths.   This will give you a blueprint from which to work when you decide on lender.

Question:

Should I just apply once I have found the lender that seems to match?

Answer:

Call the company and discuss your needs with them first if you have time.   Tell them about your business and also what your strengths and weaknesses are.

Ask the company about their programs first to make sure they are not trying to match up their products to your business when they may not be a fit.

Question:

What if this does not work and I still cannot get funding?

Answer:

You can call us and we will help you figure out if you may be missing opportunities.  Another type of funding may be best.   If you truly cannot qualify, then it is time to think about other options.

Final options after business loan decline:

Final options after business loan declines include:

  1. Adding a strong owner and sharing ownership.   This can bring in money and credit.
  2. Change your business model
  3. Scaling back your business
  4. Major expense cutting.
  5. Temporarily closing your business.

These options may allow you to work around the problem and get back up and running in the short term.

It may also be a good time to change your business model.   You do not have to change your entire business model immediately.   You can do this over the course of a few months and transition into a new business line.

Consider if adding a person to the business to bring in some money as a co-signer may work.   This can be someone who becomes another owner.   If they have good credit, the may be able to co-sign for a loan for the business.      These are more ways on how to get money to stay in business.

How to fix missed payments on a mca merchant cash advance or business loan

“I cannot pay my mca merchant cash advance.” I missed payments and am behind on payments on my mca merchant cash advance and business loan.   What can I do?

There are several steps you can take when you are behind on your mca merchant cash advance payments, or your business loan or personal loan is past due.   These steps and others can  or make it much less severe.  One step is to payoff the past due loan by refinancing.   Contact us below for help on how to fix missed payments on a mca merchant cash advance or business loan you have missed payments on, or cannot pay any more on.

Complete the secure Docusign >>>15 Second Application now.<<<
Or call us at Tel:  1-919-771-4177, or Fix missed payments on an MCA merchant cash advance now.

How to fix missed payments on a mca merchant cash advance or business loan and what to do when you are behind.

  1. Contact the lender.   Let them know you are having trouble paying the advance or loan.  Be prepared to answer why you cannot pay it and how you will plan to catch up.
  2. Ask the lender to work with you.  Ask for lowered payments or suspended payments.   If they refuse ask them to offer you a plan for payments you can handle.   Determine in advance what you are able to pay.   Tell the lender what you can pay and ask them to set up a payment plan for that.
  3. Follow through on your agreement.
  4. If you will not be able to continue paying the cash advance or business loan, ask the lender for options.
How to fix missed payments on a mca merchant cash advance or business loan
I missed payments and am behind on my mca merchant cash advance and business loan. Here is how to fix it.

What if you cannot pay the cash advance or business loan and cannot catch it up?

If you cannot continue paying the cash advance or business loan, ask the lender what the options are.  For mortgage loans, many lenders have excellent options for assisting past due borrowers.

If it is not a mortgage loan, the best solution is usually to try to work with the lenders.   When that is not possible, other options include:

1.  Pay a settlement on the mca merchant cash advance or business loan.

If you consider this option, negotiate hard with the lender on how this will be reported on your credit.   You want to push for the best possible credit bureau reporting of this event.    If the lender reports the tradeline as “settled for less than full balance”, this may be the best reporting.

2.  Applying with another lender

This is another excellent option if you can qualify.  Payoff the cash advance or business loan with another loan.   This works well if the balance of the loan you are past due on is low.    If your current past due loan has not damaged your credit too much yet, this option may work.

3.  Another option is to ask your current lender to modify the loan.

For example:
Your current loan is $500 per month and was for 48 months.   You have 10 months left.   Ask the lender to modify the mca cash advance or loan for a lower payment and for more months.  In this case, ask them to lower it to $200 to $300 per month for 20 and 25 months.

Tell them this benefits both them and you.   You will have a payment you can make and their loan will also be paid.   Some lenders do not want to modify.   If you can demonstrate to them that you will be able to pay the past due business loan by getting a lower payment, they may agree to it.

Provide documentation to support your request

Prepare a Quarterly or Monthly Profit & Loss statement to show the lender that you cannot pay now, however if they lower it, your budget will allow for their payment.

4.  Take another hard look at all of your current expenses.

Can you easily reduce expenses somewhere else?   Are there services that you are paying for that you really do not need and can cut?   This can include business expenses and personal expenses.

FAQ’s  – Frequently asked questions and comments

What other loan types can I get to payoff the mca merchant cash advance and business loan I am behind on?   There are many options.   The most common types are below.
“My mca cash advance company threatened me with a coj certificate of judgement.”   What can I do?
Talk to the merchant cash advance company as much as it takes to make sure they do not file a coj in court.   This can clean out your accounts.

“I have missed payments and am way behind on my cash advance.  I was told I am in default.”  “Is it too late to do anything?”

It is not too late.   Talk to the lender about every possible solution.  Show you are proactive in trying to reach a solution.   You do not want them to file a certificate of judgement.
Other requests and needs:   “I cannot catch up my cash advance.  I am too far behind”.  I have to stop paying my merchant cash advance.    When these things happen, review any settlement possibilities and also the refinance options above.

Accounts receivables financing

Accounts receivables financing is another way to increase the cash flow you need to pay your current past due merchant cash advance or business loan.    This can give you cash now which may be enough to pay the payments you missed and are behind on.

Consider an asset based loan

This includes a loan against equipment.  Funding is between 24 and 42 months and includes a monthly payment.    Earth moving equipment, Yellow Iron and  “over the road” OTR rigs, semi-trucks are usually accepted.

My daily mca merchant cash advance payment is too high. What can I do?

“My daily mca merchant cash advance payment is too high.”

“I need a lower daily merchant cash advance payment”.  If one of these frequent requests applies to you, review several options here to lower your daily mca merchant cash advance payments safely and quickly.

If you think your payments are too high, review your choices here.  We specialize in lower daily merchant payments.  Your payments can be safely lowered or eliminated without hurting your business.  Get the lowest payment now rather than than paying the same amount.   Most of all,  apply now below:

Complete the secure Docusign >>>15 Second Aapplication now.<<<
Or call us at Tel:  1-919-771-4177, or Get a lower daily mca merchant cash payment here.

My daily mca merchant cash advance payment is too high. What can I do?
Is your daily merchant cash advance payment too high for you to survive? Solve your problem now.

Avoid closing your business checking account and being declared in default. These lower daily payment options are safe.   They typically prevent a coj certificate of judgment from being filed against your business when you act immediately.

FAQ, Frequently asked questions, or comments:

Question:
How are my payments lowered?
Answer:   The outflow of daily and weekly cash out of your business account is lowered by covering the debit of your existing advances until they are all paid.  Your business is relieved of the merchant cash advance payments you are now making.   Your business then pays a lower amount for a longer period of time.
Question:
How much can I get my payments lowered?
You can get the payment lowered 25% to 50% in most cases.   Sometimes the payments can be lowered more, as much as 50% to 75%.

Question:

I have more than 1 advance.  Can I get my payment lowered on all of them?
They may be lowered on all of them if you have 2 or 3 advances.

Question:

I have several advances.   Can you help me?
Sometimes all of the advances cannot be lowered or eliminated immediately.  You may be approved to lowering either most of them or all of them.  The rest are lowered as you pay.

Question:

What are the risks?
There should not be any risks if you are approved for one of these programs and follow through on paying off the other advances.   The biggest risk is not acting in time.    Get rid of your mca merchant cash advance problem before it gets ahold of you.

Question:

I am being told by my merchant cash advance company that I signed the contract and I have to make the payments I agreed do.  Am I stuck?
You are not stuck and there is also another option or two.  You can pay them off or pay less.

Question:

My daily mca merchant cash advance payment is too high.  Can I get a monthly payment instead?
You may qualify for a monthly payment program for enough to payoff the balances.  Then you can payoff the merchants cash advances with the monthly payment loan.    If your business does not qualify for a monthly payment, it may still benefit just as much with a weekly or daily payment.
The total amount paid can still be lowered just as much.

Get a lower daily payment today and also save your cash flow.  Talk to a counselor today.