Our Services

One program customized to fit your business's exact needs

A comprehensive program to build a repayment plan you can sustain. We negotiate directly with your lenders, structured to pay creditors back in full.

Repayment, not settlement

We negotiate structured terms that repay your lenders in full, preserving your businesses’ long term credibility.

BBB A+ Accredited

A BBB A+ rating is rare in this industry. We’ve held it since 2018.

10+ years, MCA-specialized

A decade spent exclusively on business debt, with deep knowledge of Merchant Cash Advance law.

What We Do

One program, four ways we help.

Each part works together to stabilize cash flow and repay what you owe on terms your business can carry.

01 · CONSULTATION & STRATEGY

Business Debt Consultation & Financial Strategy

We start with a full review of your debts, lenders, and cash flow, then build a strategy for turning multiple obligations into one clear structure.

Streamlined management

Consolidate multiple debt obligations into one manageable structure.

Cash-flow stability

We adjust your debt payments to match your real business cash flow..

Negotiation & advocacy

We engage creditors directly to craft solutions that work for all parties.

02 · MEDIATION & RESTRUCTURING

Business Debt Mediation & Restructuring

We work directly with your creditors, restructuring multiple obligations into one plan built around what your business can actually pay, while working toward full repayment for every lender involved.

Full repayment, proven

A track record of structured, full repayment that lenders accept.

Structured, not litigated

We resolve debt through negotiation, not lawsuits, keeping your business focused on operating, not defending itself in court.

Preserve business credibility

Avoid derogatory credit marks that could deny future funding opportunities.

03 · LOAN MODIFICATION

Business Loan Modification

We modify loan terms directly with your lender, whether you’re behind on payments or your cash flow can no longer support the current structure. We tailor our approach to your unique situation.

Restructured terms

We modify loan terms to make repayment realistic and sustainable.

Right strategy, right time

We assess severity and match the approach to your situation.

A lifeline for cash flow

Modifications ease pressure so you can keep operating.

04 · RECONCILIATION

Structured Reconciliation

We consolidate multiple daily and weekly payments into one predictable plan, stabilizing operations while every participating creditor is repaid in full.

One predictable payment

Replace several daily or weekly draws with a single, manageable schedule.

Full creditor repayment

Participating creditors are paid back in full, not settled for less.

Ongoing support

Continued account management. Handling all aspects of lender communication.

What's Included

Everything your program covers

How It Works

A structured path back to stability

01

Free Consultation

Talk through your situation with a debt specialist. No cost, no obligation.

02

Financial Review

One of our debt specialists analyzes your full debt structure, lenders, and cash flow.

03

Lender Negotiation

We negotiate structured, in-full repayment terms directly with your creditors.

04

Ongoing Support

We remain on retainer for the life of your program, handling lender communication so you deal with one team, not many creditors.

WHY MERCHANTS CHOOSE NCP

A real way out, without the pressure

If you’re behind on payments, seeing NSFs, or being called by debt settlement companies, you have options. We work directly with your funders to restructure what you owe so you can keep your business running.

Get a free review →

Stop the Default Spiral

We step in early, before missed payments turn into collections or legal action.

Payments You Can Actually Make

Structured plans built around your real cash flow, not the original terms.

We Talk to Your Funders

We handle the negotiations so you can focus on running your business.

No Settlement-Company Tactics

No upfront fees, no "stop paying your funders" advice, no damage to the relationships you'll need later.

Free Consultation

Start with a conversation. No obligation

Tell us about your debt and cash flow. A specialist reviews your situation and outlines exactly which services fit, before you commit to anything.

Get your free consultation

No obligation. A specialist reviews your situation and outlines your options.

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