Business Debt Mediation — Stop MCA Stacking, Improve Cash Flow and Regain Control
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What Is Business Debt Mediation?
Business debt mediation is a structured relief program that helps owners negotiate with multiple merchant-cash-advance (MCA) lenders to lower daily drafts, settle balances, and restore healthy cash flow. Rather than declaring bankruptcy or defaulting, mediation creates a manageable repayment plan through a licensed negotiation team working directly with funders.
When Mediation Makes Sense
- You’re making 3 or more daily drafts to different lenders.
- Revenue is steady but withdrawals leave no working capital.
- You want to avoid default, lawsuits, or UCC collections.
- You need time to rebuild cash flow and re-qualify for funding.
How Debt Mediation Works
- Your file is reviewed to verify current balances and lenders.
- VIP Capital Funding coordinates with our network of MCA negotiation specialists.
- Daily drafts are paused or reduced while a settlement plan is reached.
- Funds are re-channeled into operations so the business stays open and profitable.
Benefits of Business Debt Mediation
- Reduce payments by 50–80 % through structured settlements.
- Stop stacking — combine multiple drafts into one manageable plan.
- Prevent defaults and legal actions by working with lenders collaboratively.
- Remove UCC liens and restore fundability in as little as 90 days.
- Keep ownership of your business without bankruptcy.
Mediation vs Consolidation vs Refinance
| Feature | Mediation | Consolidation | Refinance |
|---|---|---|---|
| Goal | Negotiate & settle balances | Combine advances into one draft | Replace high-cost advance with new one |
| Credit Impact | No hard pull; soft business review | Soft pull | Soft pull |
| Payment Reduction | 50–80 % | 50–80 % | 25–60 % |
| UCC Removal | Yes after settlement | Yes during payoff | Yes during refinance |
Who Qualifies for Debt Mediation
- Businesses with 2 or more active MCAs.
- Monthly revenues above $15 K but tight cash flow.
- No open bankruptcy or fraud cases.
- Commitment to operate through the plan.
Expected Timeline and Results
- Payment relief starts within 1–5 days of program acceptance.
- Settlements completed in 3–6 months on average.
- UCC filings released once balances are cleared.
- Funding eligibility restored within ~90 days for most clients.
Why Choose VIP Capital Funding
- Trusted partner for MCA relief nationwide.
- Direct coordination with licensed negotiators and funders.
- Transparent updates and weekly status reports.
- Path to refinancing or working-capital once settled.
Where to Go Next
- Learn about MCA Debt Consolidation — compare relief structures and eligibility.
- Explore Working Capital Solutions — bridge cash flow while settling existing advances.
- See Industries We Serve — from restaurants to construction, how business debt relief applies nationwide.
Ready to Stop Stacking and Regain Control?
Apply today to see if your business qualifies for VIP Capital Funding’s mediation program.
FAQs
Will lenders still contact me during mediation?
Communication typically moves through our negotiation partners once you’re enrolled.
Is mediation the same as bankruptcy?
No — you retain control of your business and avoid court filings.
Can I get new funding after mediation?
Yes, many clients qualify for refinancing or working capital within 3–4 months after completion.
Does it affect my credit?
No personal credit pull; the program focuses on business cash-flow improvement.
