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Tell us about your advances
Use the form below to share your funders, balances, payment amounts and how often they're taken.
MCA Restructuring
Daily payments draining you?
Take back your cash flow.
Our restructuring program is designed to reorganize the merchant cash advances you already have into a more manageable payment structure.
Start your MCA review
Tell us about your current advances. It takes a few minutes, and there's no obligation.
What it is
Take back control of your cash flow
Merchant cash advances are quick to get, but daily and weekly withdrawals add up fast, especially when more than one advance is stacked. Our MCA restructuring program is designed to reorganize and renegotiate the advances you already have into a more manageable payment structure. That frees up operating cash flow for payroll, inventory and growth.
It isn't a new advance or a cash injection. It works on the obligations you already carry.
How it works
Clear steps. Real momentum.
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Specialist review
Our restructuring team reviews your positions and your current monthly burden.
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A clear picture, on a call
We walk you through what a restructured payment could potentially look like.
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One more manageable payment
If you move forward, our team works on restructuring your existing obligations.
Who it's for
Is this right for you?
Stacked advances
Two or more MCA positions pulling from your account at once.
Payments eating revenue
Daily or weekly withdrawals taking a heavy share of what the business brings in.
Owners focused on growth
You want your cash going back into payroll, stock and expansion, not straight out to funders.
More room for your business
MCA restructuring
How much could restructuring free up each month?
Enter what your merchant cash advances take from your business. We'll show you an illustrative estimate in seconds.
MCA savings calculator
Enter the total outstanding balance across all your advances.
Have more than one advance? Add the payments together and enter the total.
Enter your payment to see your estimate.
What your MCAs take now
approx. — / month
Illustrative restructured payment
approx. — / month
Could potentially free up
approx. — / month
That's approx. — a year back in your business
Now
Illustrative restructured
Talk to a specialist about your MCAs
A short, no-obligation call. No hard credit pull.
These figures are illustrative estimates only.
What restructuring is, and isn't
It is
- A reorganization of the advances you already have
- Designed to lower your payments to a manageable level
- Focused on freeing up monthly cash flow
It isn't
- A new advance or loan
- Cash deposited into your account
- Another position stacked on top
Restructuring doesn't close other doors. Other funding options can be explored at the same time.
Real results from real clients
Real stories. Meaningful progress.
See how entrepreneurs and professionals are using Thalio to secure funding, repair credit, and unlock new financial opportunities.
The process was easy. I only had to fill out a form and everything else was handled! Thanks to Thalio I got funded $170,500 to start my new company. Would certainly recommend.
Jordan Knight
Business Funding
I applied and was approved within 72 hours, receiving $61,000 in funding. The process was clear, fast, and completely transparent. Thalio delivered exactly what they promised.
Joshua Leal
Personal Funding
After struggling with my credit for years, Thalio helped raise my score from 601 to 720. The process was smooth, well explained, I finally feel confident applying for funding again.
Jessica Martinez
Credit Repair
Individual results vary. Past results do not guarantee future outcomes. Every program is subject to review, underwriting and eligibility.
Any savings figures shown are illustrative estimates only and are not a quote, offer or guarantee. Any restructured payment depends on a full review of your file, your funders and the terms of the program. Restructuring addresses existing obligations and does not provide new funds. Thalio Funding does not provide legal or tax advice.