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.
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.
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.
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.
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?
“…On a $100,000 Merchant Cash Advance (MCA), a broker who sold the advance to their client (you) receives between 10% and 15% of the total amount funded. So your broker receives $10,000 to $15,000 (10% to 15% of the total “funding”) the day after you get “funded”…
Yes. That is not a typing or mathematical mistake on our end. We assure you of this. This is the reality of how grossly over-compensated your broker is for selling you a high-cost and very short-term business financing option…”
FREE Consultation with our Merchant Cash Advance (MCA) Refinancing & Restructuring experts.
Fill out the inquiry form below and we will get you started on MCA refunds STARTING TODAY!
“Merchant Cash Advance (MCA) companies use extremely aggressive, shaming and dirty, back-handed collection tactics to attempt collections on defaulted or struggling businesses.
One common [destructive collection] tactic is collection attempts under Article 9 of the Uniform Commercial Code (UCC) which allow creditors who have filed a valid UCC lien on some or all of a business’ assets to notify accounts receivable creditors of the business to pay them and not the business.
Even when a business speaks to the MCA company and attempts to work out a payment plan that they can afford, the MCAs normally immediately start using these aggressive collection tactics and do not agree to a modification (Restructure) of the MCA. The business is now running out of options to deal with their MCA debt.”
Visit our post and download our latest FREE FULL MCA REPORT-
“The Critical Dangers of Merchant Cash Advances”
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Solutions are available to get you and your business out of the destructive MCA cycle.
MERCHANT CASH ADVANCE SOLUTIONS:
MCA Debt Refinance-
https://www.kanjorskipartners.com/merchant-cash-advance-refinancing-consolidationMCA Restructuring-
https://www.kanjorskipartners.com/merchant-cash-advance-and-business-debt-restructuring-services
Here’s why we suggest that you NEVER, EVER, EVER accept a
Merchant Cash Advance “RENEWAL” Offer
”…Our main goal with this report is to educate you on the true cost and danger of taking MCAs for your business. If you listen to or learn anything from this report, please, please, please, never, ever, ever take a “Renewal” from an MCA company…”
”…As a general rule within the MCA industry, when a business pays back 50% or more of the MCA total contract they are normally qualified for a “RENEWAL” which simply means that the MCA company is willing to give you more “funding” since you are 50%+ paid in to your current MCA contract….”
Visit our post and download our latest FREE FULL MCA REPORT-
“The Critical Dangers of Merchant Cash Advances”
********
Solutions are available to get you and your business out of the destructive MCA cycle.
MERCHANT CASH ADVANCE SOLUTIONS:
MCA Debt Refinance-
https://www.kanjorskipartners.com/merchant-cash-advance-refinancing-consolidationMCA Restructuring-
https://www.kanjorskipartners.com/merchant-cash-advance-and-business-debt-restructuring-services
FACT: MERCHANT CASH ADVANCES (MCAs) DESTROY BUSINESSES.
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Excerpt from our latest report on the dangers of MCAs…
“…a majority of small businesses have just enough cash flow to pay its operating expenses…
Excerpt from our latest report on the dangers of MCAs…
“…The reason the vicious cycle of MCAs can sustain itself for some period of time is because of one simple word in the industry, “stacking”. MCA “stacking” is to put a second MCA on top of a first MCA
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Visit our post and download our latest FREE FULL MCA REPORT-
“The Critical Dangers of Merchant Cash Advances”
********
Solutions are available to get you and your business out of the destructive MCA cycle.
MERCHANT CASH ADVANCE SOLUTIONS:
MCA Debt Refinance-
https://www.kanjorskipartners.com/merchant-cash-advance-refinancing-consolidationMCA Restructuring-
https://www.kanjorskipartners.com/merchant-cash-advance-and-business-debt-restructuring-services
Excerpt from our latest report on the Merchant Cash Advance (MCA) Industry…
MERCHANT CASH ADVANCE (MCA) Receivables Purchase Agreement structure has 6 critical parts which all add up to a HUGE and UNSUSTAINABLE, even predatory cost for this type of expensive and short-term financing:
1) PURCHASE AMOUNT: Amount of future accounts receivables and/or sales deposits purchased
LOWER YOUR PAYMENTS: MERCHANT CASH ADVANCE RESTRUCTURING
Merchant Cash Advance restructuring can be a simple process. Your creditors will not tell you this though.
Avoid bankruptcy. Stop harassing and stressful collection activity. Solve your business’ Merchant Cash Advance (MCA) debt situation.
Restructuring services are provided by New Horizons Restructuring LLC, a Kanjorski Partners related restructuring service entity.
View our FREE white paper report on Merchant Cash Advance (MCA) Restructuring:
“THE CRITICAL DANGERS OF MERCHANT CASH ADVANCES”
Our extensive experience in MCA contract review, accounting reconciliation and our vast knowledge of legal collections throughout the US can help your business potentially get refunds and/or credits from either temporary or permanent over-payments owed to you contractually from the MCA companies.
Construction Contractor - Electrical & Remodeling
MCA Total Balance: $225,595
Total Daily & Weekly MCA Payments Per Month: $48,955
Working Capital Given to Borrower at Closing: $30,000
New Refinanced Term Loan Payment: $14,623
Monthly Debt Service / Cash Flow Savings: $34,332
(plus $30,000 of working capital received at closing)
Small businesses that are struggling with predatory merchant cash advances. Daily and weekly payments and effective APR of 60% up to 200%+ are crushing small businesses across the nation as we post this.
Kanjorski Partners LLC, has been refinancing small businesses across the US and providing additional working capital since Sept 2019.
Refinance of the entire MCA capital stack for a business and refinances it into a term loan resulting in a reduction of total monthly debt service payments by 50% to 90% for small business owners.
We are proud to be a part of an initiative and provide this solution to small businesses to help them deleverage and exit of predatory merchant cash advances positions and restore liquidity and equity to their balance sheet.
$57mm billed charges out-of-network
$13mm billed charges w LOPs in place
$70mm total billed charges
Multi-state and multi-site portfolio
Registrations Process:
1) execute fee agreement / NDA / non-circumvent
2) provide proof of closing funds
3) execute NDA/Conf. Agreement compliant with Health Insurance Portability and Accountability Act of 1996 and Enforcement Rules at 45 CFR Part 160 and Part 164 prior to receiving due diligence data
Bidder registration cutoff Wed, Jan 22nd at 4 PM EST
Indicative Bids due Wed, Jan 29th by 4 PM EST
Email sbernarsky@kanjorskipartners.com for registration
$88mm medical surgery center personal injury claims
All claims have Letter of Protection in place
80-90% auto (MVA); 10-20% slip and fall (Premises advanced at 50% of MVA rates)
Seller is current servicer (winning bidder can stay with current servicer or take over servicing rights)
Bid floor is $19mm (21.5% of Unresolved Receivable)
Must execute NDA and Conf. Agreement compliant with Health Insurance Portability and Accountability Act of 1996 and Enforcement Rules at 45 CFR Part 160 and Part 164 prior to receiving due diligence data
Proof of closing funds due after NDA execution
Forward flow (right of first refusal) on a monthly flow of approx $8 to $10mm (contract available to winning bidder)
Bidder sign up cutoff Monday 11/18/2019 at 4 PM EST
Bids due Thursday 11/21/2019 by 4 PM EST
Contact us for registration information
Kanjorski Partners is pleased to announce the launch of our Small Business Refinance Program focused on refinancing Merchant Cash Advances and other Small Business debt. Below are the general program details:
Pre-Qualification Requirements (answer in 24 to 48 hours):
• Names of all MCA Companies owed
• Total Amount Owed to each MCA company
• Daily Payments to each MCA company
• Status with each MCA company (current, default or currently in seizure/garnishment)
• A current AR aging report
• A current AP aging report / debt schedule
• Interim P/L and Balance Sheet and previous year P/L and Balance Sheet
• Last 12 months of bank statements
• Completed loan application (all listed requirements on last page)
MCA & Business Debt Refinancing General Loan Terms (typically 5 to 10 business days for full underwriting):
• Refinance all of your current merchant cash advances into one monthly or bi-monthly payment
• Save up to 60% on your total current monthly payment amounts
• Re-amortize your advances to a 1 to 3 year amortization and term
• Possible approval for additional working capital at closing
• Loan size (all outstanding advances must total a minimum of $50k up to $1mm; can refinance larger amounts through syndication)
• Anticipated annual interest rate (25% to 30%)
• Anticipated average loan terms (1 to 3 year term with 1 to 3 year amortization)
• Personal & Spousal Guarantees required by all owners with more than 20% interest in Company
• Stock pledge & UCC-1 lien filing
• Sufficient receivable and/or asset coverage for the loan (determined in underwriting)
• End of term refinance program options to renew or qualify for a new operating line of credit or term loan
Visit here to apply:
https://www.kanjorskipartners.com/refinance
Our private and master-serviced nationwide legal collection network will advance court costs to litigate on your legal collection claims.
Place your accounts to one centralized placement point for litigation collection strategy and receive one detailed monthly collection and accounting report.
More information here…
Become our referral partner for helping businesses get loans in the range of $500,000 to $5,000,000
Please contact us here for more information on our referral program:
Revolving Credit Facilities
Term Loans
Senior-Secured Financing
Mezzanine Financing
Interest Rates mid-teens to mid-twenties annualized (pending underwriting and position)
Flexible Terms and Traditional Loan Terms
Facilities can open within 30 days or less from application submission
New loans can sit behind SBA loans in the cap stack
$1mm to $5mm loan sizes
Inquire here: https://www.kanjorskipartners.com/business-loans
(see “Disclaimer” at the bottom of this website)
Business Finance & Strategy Advisors
Refinance. Restructure. Reorganize.
Help with Business Debt, Loans and Merchant Cash Advance (MCA)
