Stefan Bernarsky
What Your Business Must Depend On for Survival, ...

Running a business isn’t for the faint-hearted.

The landscape is unforgiving, the competition is relentless, and the margin for error is razor-thin. Success doesn’t happen by chance—it’s the result of calculated decisions, unwavering focus, and an unrelenting commitment to the right priorities.

If you’re coasting, hoping for a lucky break, or making half-hearted attempts to manage your challenges, you’re already losing.

This article is intended to give you the hard truth: If your business is going to survive, grow, and achieve victory, there are non-negotiables you must depend on.

These are not optional. Ignore them, and your business becomes another statistic.

Embrace them, and you give yourself a fighting chance in this brutal game of commerce.

What Your Business Must Depend On for Survival, Growth, and Victory
Stefan Bernarsky
Cash Flow and Debt Issues Crushing Your ...

If your business is struggling with negative or strained cash flow and drowning in debt, you’re playing with fire. These two issues are silent killers that destroy businesses from the inside out.

Business owners tend to make bad business decisions when cash flow is strained and business debt is weighing down on business operations.

Left unchecked, they can cripple business operations, ruin your reputation, and push you into insolvency. It’s time to face the facts and take action before it’s too late.

Cash Flow and Debt Issues Crushing Your Business?
Stefan Bernarsky
Long-Term Business Loans Are Smart: The Truth ...

When it comes to business loans, many owners make a critical mistake—they focus solely on how quickly they can pay it off.

But the reality is, a shorter payback period is not typically the best decision for your business.

In fact, rushing to repay a loan over one or two years can crush your business cash flow, limit growth opportunities, and push your business into a corner.

On the other hand, a 10-year payback period can provide the breathing room you need to grow, invest, and thrive.

Long-Term Business Loans Are Smart: The Truth About Payback Periods
Stefan Bernarsky
Business Cash Flow Problems Are Not Solved by ...

Business cash flow issues are one of the most common challenges business owners face.

The constant pressure of paying employees, managing inventory, covering rent, and handling unexpected expenses can lead many entrepreneurs to seek quick fixes.

Borrowing money to fill the gap often seems like the easiest and most logical solution.

But relying on debt to solve cash flow problems is rarely effective and can make your financial situation even worse.

While debt may provide short-term relief, it’s not a sustainable strategy for fixing cash flow problems.

In fact, it often exacerbates the root issues, leaving businesses more vulnerable in the long run.

Let’s explore why taking on more debt isn’t the answer and what steps you can take to create a more stable financial foundation.

Business Cash Flow Problems Are Not Solved by Taking on More Debt
Stefan Bernarsky
A Recipe for Business Disaster: Short-Term and ...

Running a business often requires borrowing money, but not all debt is created equal.

When business cash flow is tight, it’s tempting to take on short-term, high-cost business loans to keep things running.

The promise of fast cash can feel like a lifeline—but it’s often the anchor that sinks the ship.

Short-term and high-cost business debt might seem like a quick fix, but it often does far more harm than good.

Why is this type of financing so dangerous and what you should do instead to ensure the long-term financial health of your business?

A Recipe for Business Disaster: Short-Term and High-Cost Business Debt

#consolidateMCAloans

Restructure and Refinance Business Debt + Merchant Cash Advance (MCA) Loans

Restructure and Refinance Business Debt + Merchant Cash Advance (MCA) Loans

Business Debt + Merchant Cash Advance (MCA)

REFINANCE

1. Submit a Quick Qualifier (1 minute or less)

2. Complete Application and Upload Supporting Documents (5 to 10-minutes or less)

3. Receive Determination (1 to 2-business days)

RESTRUCTURE

Business Debt + Merchant Cash Advance (MCA)

1. Submit your Restructuring Inquiry

2. Speak with one of our Restructuring experts

3. Engage with our Business Debt Restructuring team to modify your business debt

Steps to Refinance & Consolidate Business Debt + Merchant Cash Advance (MCA) Loans into One Payment

Steps to Refinance & Consolidate Business Debt + Merchant Cash Advance (MCA) Loans into One Payment

6 Easy Steps to Refinance & Consolidate Business Debt + Merchant Cash Advance (MCA) Loans:

1. Submit a Quick Qualifier (1 minute or less)

2. Complete Application and Upload Supporting Documents (5 to 10-minutes or less)

3. Receive Determination (1 to 2-business days)

4. Create Credit Package with our underwriting team for presentation to our inventors

5. OPTION 1: Short-term Refinance for “MCA Relief” (3 to 5-business days to close; 12 to 18-
month term); [18% to 28% APR or 1.18 to 1.28x factor over 12 to 18-months]

6. OPTION 2: Long-term Full Refinance of all Business Debt + MCAs (3 to 4-weeks to close; 24 to
60-month term loan with one monthly payment); [14% to 19% APR + closing & legal fees on a 24 to 60-month term]

Why Refinance and Consolidate Business Debt?

Why Refinance and Consolidate Business Debt?

Benefits of Refinancing & Consolidating Business Debt + Merchant Cash Advance (MCA) loans include:

  1. One monthly payment

  2. Fixed interest rate

  3. One lender

  4. Flexible terms

  5. Working capital

Debt Refinancing consolidation is the process of replacing multiple loans with one single loan. This reduces the number of creditors you are paying by consolidating your debts into one payment through a single lender.

1-Minute or Less Qualification for Business Debt & Merchant Cash Advance (MCA) Refinancing

1-Minute or Less Qualification for Business Debt & Merchant Cash Advance (MCA) Refinancing

1-Minute or Less Qualification for Business Debt & Merchant Cash Advance (MCA) Refinancing

Payoff all Business Debt & Merchant Cash Advance MCA debt to a term loan

  • One monthly payment on a 24 to 60-month term loan

  • All business debt paid off to a $0 balance at closing

  • Interest rates 14% to 18% (plus closing costs, PIK and legal fees)

  • Short-term Refinance (12 to 18-month term loan) can close in 3 to 5-business days

  • Long-term Refinance (24 to 60-month term loan) can close in 3 to 4-weeks

  • Working capital is available at closing in Refinance consolidation transactions

  • A new, on-going relationship with a Capital Partner (not just a one-time transaction)

  • Interest-only for 6 to 9-months after closing is available

Reconcile your Merchant Cash Advance MCA contract and payments

Reconcile your Merchant Cash Advance MCA contract and payments

Reconcile your Merchant Cash Advance MCA contract and payments

HAVE YOU RECONCILED YOUR PAST AND FUTURE MCA CONTRACT PAYMENTS?

  • Over payments on your MCA contract(s) may be present right now.

  • Your business may be owed over payment credits or refunds.

  • YOU MAY BE OWED MONEY FROM MERCHANT CASH ADVANCE MCA COMPANIES!

Stop taking MCAs.

Stop taking MCAs.

STOP TAKING MERCHANT CASH ADVANCE (MCA)!

  • MCA-taking allows MCA companies to steal your top-line sales.

  • When you take an MCA, the “factor” rate that you pay is directly related to the amount of top line sales that you are giving away.

  • $100,000 MCA at 1.38x “factor rate” is the SAME AS IMMEDIATELY GIVING AWAY $38,000.

  • That is why you don’t have enough cash flow.

  • That is why you cannot afford the daily or weekly payments.

DEAL TABLE: $1,370,000 IN MCA LOANS REFINANCED & PAID OFF + $750,000 IN WORKING CAPITAL

DEAL TABLE: $1,370,000 IN MCA LOANS REFINANCED & PAID OFF + $750,000 IN WORKING CAPITAL

DEAL TABLE: $1,370,000 IN MCA LOANS PAID OFF TO A SHORT-TERM (18-MONTH) “MCA RELIEF” REFINANCE + $750,000 IN WORKING CAPITAL

SaaS and I.T. Cloud Services Company with Merchant Cash Advance MCA loans and other high-interest, short-term debt totaling ~$1,370,000.

The Company was paying ~$197,072 Total in monthly payments to MCA companies and short-term debt providers.

At closing, all MCAs were paid off for a discounted amount and zero-balance letters (ZBLs) were issued to the Company from the MCA loan companies.

The Company’s new TOTAL monthly payment is now $79,500 (payment reduction of over 60%, down from $197,072), and company was given $750,000 of working capital at closing.

HOW DO MERCHANT CASH ADVANCE (“MCA”) LOANS DESTROY GOOD, PROFITABLE SMALL BUSINESSES?

HOW DO MERCHANT CASH ADVANCE (“MCA”) LOANS DESTROY GOOD, PROFITABLE SMALL BUSINESSES?

HOW DO MERCHANT CASH ADVANCE (“MCA”) LOANS DESTROY GOOD, PROFITABLE SMALL BUSINESSES?

Cost of Capital

It’s is extremely important to understand the true Cost of Capital when you are considering taking on any type of business debt financing.

This is the #1 reason that MCA loans destroy good, profitable businesses since MCA loan’s Cost of Capital is extremely high compared to all other business debt financing options.

DEAL TABLE: $500,000 IN MCA LOANS PAID OFF + $100,000 IN WORKING CAPITAL

DEAL TABLE: $500,000 IN MCA LOANS PAID OFF + $100,000 IN WORKING CAPITAL

DEAL TABLE: $500,000 IN MCA LOANS PAID OFF TO A SHORT-TERM (18-MONTH) MCA RELIEF REFINANCE + $100,000 IN WORKING CAPITAL

Real Estate Management Company with Merchant Cash Advance MCA loans and other high-interest, short-term debt totaling ~$500,000.

The Company was paying ~$134,972 total monthly payments to MCA companies and short-term debt providers.

At closing, all MCAs were paid off for a discounted amount and zero-balance letters (ZBLs) were issued to the Company from the MCA loan companies.

The Company’s new total monthly payment is now $64,000 (payment reduction of over 52%, down from $134,972), and company was given $100,000 of working capital at closing.

DEAL TABLE: $900,000 IN MCA LOANS PAID OFF TO A LONG-TERM LOAN + $500,000 IN WORKING CAPITAL

DEAL TABLE: $900,000 IN MCA LOANS PAID OFF TO A LONG-TERM LOAN + $500,000 IN WORKING CAPITAL

DEAL TABLE: $900,000 IN MCA LOANS PAID OFF TO A LONG-TERM LOAN + $500,000 IN WORKING CAPITAL

General Contractor and Builder with Merchant Cash Advance MCA loans and other high-interest, short-term debt totaling $900,000.

The Company was paying $123,842 total monthly payments to MCA companies and short-term debt providers.

At closing, all MCAs were paid off for a discounted amount and zero-balance letters (ZBLs) were issued to the Company from the MCA loan companies.

The Company’s new total monthly payment is now $48,612 (payment reduction of over 60%, down from $123,842), and they were given $500,000 of working capital at closing.

BERNARSKY ADVISORS

Business Finance & Strategy Advisors
Refinance. Restructure. Reorganize.
Help with Business Debt, Loans and Merchant Cash Advance (MCA)

1-833-460-1535