A Clear Process Begins With a Business-First Conversation

Every business arrives with a different story. After a confidential review, the process is enroll, send documents, contact your funders, negotiate, and keep you informed as discussions progress.

What is merchant cash advance restructuring?

Merchant cash advance restructuring is a process for reviewing existing MCA obligations and working toward changes that may make the payment situation more manageable for the business. The approach can involve communication and negotiation concerning current obligations, but the available options and results depend on the contracts, funders, business finances, and other circumstances.

The Life Advisors process in five steps

Enroll

Complete the review and program agreements so your file can be opened.

Send documents

MCA agreements, bank statements, and related items. What You’ll Need

We contact your funders

Once documents are in, we begin outreach to the applicable funders.

Negotiation

We work toward revised terms based on the business and its obligations.

Ongoing updates if terms are agreed

If terms are agreed, you move to the new payment arrangement and we keep you informed.

The initial conversation is confidential and does not obligate you to enroll. Before you decide, you should understand the proposed process, costs, responsibilities, potential risks, and realistic expectations. Any revised payment terms require the applicable funder’s agreement. No responsible provider can guarantee a particular payment, settlement, timeline, or outcome.

What You’ll Need

After enrollment, these documents help Life Advisors open the file and begin funder outreach. Additional items may be requested depending on the business and its obligations.

MCA agreements or contracts for each active advance
Recent business bank statements
A current list of each MCA, if known: funder name, approximate balance, payment amount, and frequency
Signed program agreements and authorization for Life Advisors to communicate with funders

Do not send Social Security numbers, bank login credentials, full account numbers, or other highly sensitive credentials through the website form. Life Advisors will tell you how to provide documents securely after enrollment.

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Questions about the process

Typical items include MCA agreements for each active advance, recent business bank statements, and a current list of funders, balances, and payment amounts if known. Signed program agreements and authorization to contact funders are part of enrollment. Additional information may be requested after the file is reviewed. See the What You’ll Need checklist on this page.

After the business provides the required information, completes the necessary agreements, and enters the program, Life Advisors’ stated approach is to begin the restructuring process promptly. The exact actions and timing depend on the circumstances and should be explained before enrollment.

There is no universal timeline. The duration may depend on the number and status of the obligations, balances, funder responses, business cash flow, agreed payment structure, and the owner’s continued participation. Life Advisors should provide an individualized explanation rather than guarantee a completion date.

No. The initial conversation is intended to help the team understand the situation and help the owner learn whether the service may be appropriate. Any program terms, costs, responsibilities, and risks should be provided for review before the owner decides whether to proceed.