Straight answers about MCA relief

Unify works with U.S. businesses that owe $25,000 or more across merchant cash advances (MCAs) or other unsecured business financing. You need to own the business or be authorized to speak for it.

If you're under $25,000 or already far behind, call anyway. We'll tell you honestly whether we can help.

For the first conversation, just a rough idea of which MCA funders you owe, how much, and how often they debit. To build a plan we'll ask for three months of business bank statements, each MCA agreement, and any letters or court papers from your MCA funders.

Yes. The call, the agreement review and the written plan cost nothing, and there's no credit check to start. You only pay if you sign a program agreement.

No. Unify doesn't lend money or offer new MCAs, and the review isn't a credit application. We help restructure what your business already owes.

No. Unify only works with MCAs and other business obligations. Personal credit cards, personal loans and household debt aren't part of our programs.

Each MCA in your plan is renegotiated toward new terms. Instead of separate MCA debits on separate schedules, you make one manageable program payment, sized to what your business brings in.

It depends on your MCA agreements and your plan. Your written plan spells out what happens to each MCA debit before anything changes. We never ask you to stop paying an MCA funder without explaining the risks first.

Yes, once you enroll. From then on, your MCA funders deal with your Unify team and our attorney partners, so the calls and emails stop coming to you.

Yes. Every MCA you hold goes into the same plan. More MCA funders means more moving parts, which is exactly what one plan is for.

Your free review includes a rough estimate of how long your plan will run. Negotiations start right after you enroll, and settlement times vary by funder.

No one can honestly guarantee that. Results depend on your MCA agreements, your MCA funders and your cash flow. What we can promise is a clear plan in writing and a straight answer about what's realistic.

The review doesn't touch your credit. During a program, changes to how your MCAs are paid can affect your business credit. We go over those trade-offs, in writing, before you enroll.

MCA funders can take legal action, including lawsuits, confessions of judgment and UCC liens. If that happens while you're enrolled, attorneys from our independent law-firm partners handle the response.

A clause in some MCA agreements that lets the funder get a court judgment without a full trial. Several states now restrict them. We check every MCA agreement for one during your review.

Yes. An MCA is a contract, and contracts can be renegotiated when both sides agree. MCA funders often prefer a workable payment to a default.

Sometimes that's the right call. Bankruptcy is a public court process; a Unify plan is a private negotiation with your MCA funders. Unify isn't a bankruptcy firm, but if bankruptcy looks like the better fit, we'll say so and refer you to counsel.

The review is free. If you enroll, the program fee is a flat fee plus a fee based on the savings we negotiate. You see the exact amounts in writing, next to your proposed payment, before you sign.

Not for the review. How and when program fees are paid is set out in your written plan, so there are no surprises after you sign.

We'll tell you on the first call and point you toward options that fit better. You won't be charged for finding that out.