Tell us about your business and positions. We calculate your true cash flow drain, rescue score, and what your business could look like with that weight off its shoulders.
No — all payments cleared
Yes — one or more bounced
Yes — all current
No — behind on one or more
This tool does not collect your name, email, or business identity at this stage. Your session is anonymous until you choose to share on the final screen.
Before we show your results
This is an educational analysis tool — please read and acknowledge the following before proceeding.
This tool provides educational estimates based on general MCA industry patterns. It is not legal or financial advice and does not create any professional relationship.
All results — rescue scores, APR estimates, cash flow projections — are estimates based on the data you entered, not verified calculations or guarantees of any kind.
Default timelines are based on typical industry patterns and may not reflect your specific contract terms or funder behavior.
Cash flow estimates represent what comparable merchants have experienced through restructuring — not a guaranteed outcome for your situation.
Consult a licensed attorney or financial professional before making any decisions based on this analysis.
I understand this is educational analysis, not legal or financial advice. Results are estimates. I will consult a licensed professional before taking action.
Import your contracts or enter manually.
We extract lender names, factor rates, and balances automatically — or enter by hand in about 60 seconds.
Connect Gmail — scan automatically
Finds MCA contracts and bank statements only.
COMING SOON
COMING SOONGmail integration is in development. Upload contracts as a PDF below or enter positions manually — the analysis is identical either way.
Upload contracts or statements
PDF, JPG, or PNG — key data extracted automatically.
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— or —
Your MCA positions
Enter your funder names as they appear on your contracts. We use them only as labels for your data.
POSITION_01 STACKED
POSITION_02 STACKED
POSITION_03 ACTIVE
Funder names are used only as labels for your own data. No claims are made about any company.
Processing your positions...
Calibrating to your industry
Calculating true cost of capitalDone
Deriving effective APR from payment termsDone
Calibrating against your industry margin profileDone
Modeling cash flow — before and after restructuringDone
Scoring your rescue urgencyDone
Your MCA positions — as entered
Position 1— Est. APR
REMAINING
—
DAILY
—
FACTOR
—
STATUS
ACTIVE
Position 2— Est. APR
REMAINING
—
DAILY
—
FACTOR
—
STATUS
ACTIVE
Position 3— Est. APR
REMAINING
—
DAILY
—
FACTOR
—
STATUS
ACTIVE
Total balance remaining (est.)—
Combined daily payment—
Estimated monthly drain—
% of stated monthly revenue—
Industry stress threshold—
Avg estimated APR across positions—
You borrowed approximately
$165,000
You will pay back an estimated $230,950 — meaning roughly $65,950 goes purely to fees beyond what you borrowed.
■ Your principal (71%)■ Fees you pay (29%)
DAILY DRAIN
$2,610
MONTHLY DRAIN
$56,515
% OF REVENUE
66%
AVG EST. APR
115%
Est. APR is annualized using total advance term derived from factor rate and daily payment. This is an educational approximation, not a TILA disclosure.
Estimated default enforcement timeline
Based on typical MCA industry patterns — not specific to any funder. Your actual timeline depends entirely on your contract terms.
⚠ EDUCATIONAL ESTIMATE ONLY — This timeline reflects typical patterns observed across many contracts. Your specific funders may move faster or slower. Review your contracts with an attorney to understand your actual terms.
You indicated you are behind on one or more payments. The timeline below may already be in progress for your situation. Enforcement actions typically begin within 1–10 days of a missed payment.
Recent ACH bounces are a documented early warning signal. Funders monitor NSF activity. Repeated bounces often trigger early default notices before a full missed payment occurs.
Typical MCA enforcement pattern — general industry estimate
TODAY — Day 0
Current status — all positions active
Your combined daily obligations continue each business day. As long as payments clear, enforcement does not begin.
TYPICALLY DAY 1 — If a payment is missed
NSF notifications and collection calls begin
Funders receive automated NSF notifications from your bank. Phone contact commonly begins within hours. With 3 positions, you may receive calls from multiple funders the same day.
Pattern: most funders
TYPICALLY DAY 3–7
Collections escalation and demand notices
Many funders escalate to internal collections within 3–7 business days. Formal demand letters are commonly sent. Some funders may contact business references listed in your original application.
Varies significantly by funder
TYPICALLY DAY 5–15 — CHECK YOUR CONTRACT
Default clause may be triggered
Many MCA contracts define default as occurring within 5–15 business days of a missed payment. Upon default, many contracts state the full remaining balance becomes immediately due. Your specific trigger date is in your contract.
Check your contract for exact terms
POSSIBLY DAY 7–21 — IF YOUR CONTRACT HAS A COJ CLAUSE
Confession of Judgment — if applicable to your contract
Some MCA contracts contain a Confession of Judgment (COJ) clause — particularly those originated in certain states. Contracts with this clause may allow a funder to obtain a court judgment without prior notice to you. Not all MCA contracts contain COJ provisions.
Only if COJ clause exists in your contractReview your contracts
TYPICALLY DAY 10–30
UCC enforcement may begin
Many MCA funders file UCC-1 financing statements at origination. Upon default, they may attempt to enforce this by instructing your payment processor to redirect receivables. Timeline varies by funder and contract.
If UCC liens are active against your business
DAY 30+ — COMPOUNDING RISK WITH 3 POSITIONS
Multiple simultaneous enforcement — stacking risk
With multiple positions, you may face enforcement from several funders simultaneously. Each funder operates independently — addressing one does not automatically pause the others. Total remaining exposure across all positions: —
All positions at risk simultaneously
Restructuring may interrupt this pattern.Merchants who begin a restructuring process often report that enforcement activity pauses once funders are engaged by a representative. Timing and results vary by funder and situation.
0
/ 10
ANALYZING...
Based on your cash flow burden, position count, and industry profile.
Revenue burden — estimated at 66% of monthly revenueIndustry analysis identifies MCA payment burdens above your sector's stress threshold as a significant financial risk indicator.
Multiple stacked positions — elevated risk patternMerchants carrying 3 or more simultaneous MCA positions commonly experience higher financial distress rates. Industry data indicates each additional position materially increases default probability.
Estimated effective APR of 115%This is an annualized estimate of your cost derived from your factor rates and payment terms. Provided for educational comparison purposes only — not a legally defined rate for MCA products.
Recent ACH bounces detected — leading default indicatorNSF activity in the past 60 days is one of the strongest documented predictors of near-term MCA default. Funders monitor this actively.
Behind on one or more payments — enforcement may already be activeThe default timeline on screen 7 may already be in progress for your highest-urgency position. Time is a significant factor.
Business under 2 years — elevated baseline riskBusinesses in their first two years of operation face higher MCA distress rates. Revenue volatility and limited operating history are compounding factors.
ESTIMATED WEEKLY CASH FREED THROUGH RESTRUCTURING
$7,800
per week back in your business, based on comparable outcomes
CURRENT DAILY
$2,610
→
EST. AFTER RESTRUCTURING
$870 – $1,200
What comparable merchants have achieved
Est. daily payment after restructuring$870 – $1,200 / day
Est. weekly cash freed$7,800 – $11,200
Est. monthly cash freed$33,800 – $48,500
Estimated new repayment termExtended — same obligations, more runway
Time to first documented progress7 – 21 days
Positions commonly restructuredAll 3
WITH YOUR ESTIMATED WEEKLY SAVINGS, YOUR BUSINESS COULD COVER:
💰
Full weekly payroll for your team
🏪
Major supply or inventory restock
📢
Local marketing push — ads, promotions, events
🔧
Equipment maintenance or emergency repair reserve
These are estimated outcomes based on what comparable merchants with similar position counts and burden levels have achieved through restructuring. The total amount owed does not disappear — what changes is the pace and daily pressure of repayment, restoring cash flow to your business.
All ranges are estimates from comparable merchant profiles. Results vary based on specific contract terms, funder responses, and individual circumstances. Nothing here constitutes a guarantee or projection of your outcome.
Estimated rescue score—
Positions reviewed—
Est. monthly burden—
Est. weekly cash freed (restructuring)—
A restructuring specialist will review your file before reaching out. They will already know your positions, your situation, and your industry context before the first conversation.
Select consultation type
Standard consultation — within 1 business day
A specialist reviews your file and contacts you within 24 hours. No commitment required. The first conversation is a no-obligation review of what your restructuring could look like.
Expedited reviewPRIORITY
Your file is reviewed and you are contacted within 2–4 hours. Recommended if you are facing an imminent payment issue or urgent enforcement concern.
Your information is never sold or shared with any lender or third party. This tool does not create any legal obligation. The consultation is informational and no-obligation.
Your file has been submitted.
A specialist will review your positions before reaching out. They will already know your situation — no re-explaining required.
session_id—
est_rescue_score—
positions_submitted—
industry—
est_weekly_cash_freed—
consultation_type—
contact_eta—
statusunder_review
This submission does not create any legal obligation. The consultation is informational and no-obligation.
Session data is not associated with any lender database or public record.