MCA Recovery Assistance
A path to repayment for MCA providers. A fresh financing opportunity for business owners.
Alliance CRE Capital, LLC helps MCA providers and their customers explore real estate financing options designed to satisfy outstanding Merchant Cash Advance obligations.
Explore a financing-based path to repayment
When a customer has equity in eligible real estate, that equity may support a refinance that provides funds to satisfy an outstanding MCA obligation.
With the customer’s authorization, Alliance helps evaluate financing options and coordinate the information needed by prospective capital providers. If financing is approved and closes, proceeds can be directed toward the documented MCA payoff through the closing process.
This approach may help MCA providers recover outstanding capital while giving their customers an opportunity to transition into a more manageable financing arrangement.
Put available property equity to work
Frequent MCA payments can place significant pressure on business cash flow. If you own eligible real estate, refinancing may offer a way to:
- Pay off one or more existing MCA obligations.
- Replace frequent MCA payments with a new loan payment schedule.
- Potentially reduce the combined payment burden of the obligations being refinanced.
- Access additional cash-out proceeds, when available, for working capital or other lender-approved business purposes.
The goal is to identify financing that supports both the MCA payoff and your ability to move forward—not simply replace one obligation with another without reviewing the costs.
Own the building where your business operates?
The equity in that building may provide a path to paying off your MCA obligations.
If your business owns its operating premises—or you own the building personally or through a separate property-owning entity—Alliance CRE Capital can help explore whether the property qualifies for refinancing through a third-party capital provider, with the property owner’s participation and authorization.
An MCA obligation does not automatically prevent refinancing your building. Many MCA arrangements involve business receivables, and a security interest in those receivables does not, by itself, create a mortgage on the real estate. However, the MCA agreement, applicable security filings, and property title must be reviewed to identify any broader collateral claims, recorded liens, or judgments that could affect financing.
For qualifying owners, approved financing may provide funds to satisfy outstanding MCA obligations, ease business cash-flow pressure, and potentially leave additional cash-out proceeds for approved business purposes after required payoffs and closing costs.
Eligibility depends on available equity, ownership, repayment capacity, title and lien status, and the capital provider’s requirements. The new financing would be secured by the property, which could be subject to foreclosure if the loan is not repaid.
What property may qualify?
Potential collateral may include commercial buildings, owner-occupied business premises, investment properties, and other eligible real estate.
Personally owned real estate may also be considered where permitted by applicable law and the capital provider’s requirements. Primary residences require separate eligibility and licensing review and are not automatically eligible.
Available equity alone does not guarantee approval. Property value, existing mortgages and liens, ownership, credit history, income or cash flow, and repayment capacity all affect financing options.
How the process works
- Initial review. Share the property details, estimated value, existing mortgage balances, MCA obligations, and financing goals.
- Financing evaluation. Alliance reviews the opportunity and seeks suitable options through third-party capital providers.
- Payoff coordination. With appropriate authorization, current payoff statements and any required lien-release documentation are obtained for review.
- Underwriting and closing. The selected capital provider completes its review. If approved and funded, the closing agent disburses proceeds according to the approved closing instructions.
- Additional proceeds, if available. Remaining funds may be available for approved purposes after required payoffs, closing costs, fees, and reserves.
Understand your options
Can I receive cash out after the MCA is paid?
Possibly. Additional cash out depends on the approved financing amount and what remains after existing mortgages, MCA payoffs, other required obligations, closing costs, fees, and reserves are addressed.
Can you review a customer who is behind on MCA payments?
A payment problem does not establish eligibility or automatically rule out a review. Delinquencies, judgments, liens, and pending legal proceedings may limit available options or prevent financing.
Submitting a request does not pause payments, collection activity, or legal deadlines, and does not change an existing agreement.
Does refinancing reduce the amount I owe?
Refinancing replaces existing obligations with a new loan. It does not itself forgive debt or reduce an MCA provider’s payoff amount. Any change to an existing obligation requires the applicable parties’ written agreement.
Start with a review of the property and the payoff
Whether you are an MCA provider seeking a potential repayment solution or a business owner exploring a way out of high-cost financing, Alliance CRE Capital can help evaluate whether real estate financing may be a fit.
Property owners: use our existing deal-submission form for your review. MCA providers: contact Alliance to discuss a customer referral and the required authorization.
Alliance CRE Capital, LLC arranges financing through third-party capital providers and does not make credit decisions or guarantee funding. MCA Recovery Assistance refers to financing coordination for a potential payoff; it does not include legal representation or collection enforcement. All financing is subject to underwriting, property valuation, title and lien review, applicable law, and capital-provider requirements. Approval, terms, closing timelines, payment reductions, and cash-out proceeds are not guaranteed. Lower periodic payments may result from a longer repayment term and may increase total financing costs. Financing secured by real estate places that property at risk of foreclosure if the new loan is not repaid.