If the business is still earning but the daily debits are choking it, restructuring asks your existing funders for a payment you can actually make. No new advance, no new lender.
Last updated October 20, 2026 · Expert review by Kate Morgan, debt relief specialist (20+ years)
MCA restructuring is a negotiated change to the terms of your existing merchant cash advances, usually a smaller daily or weekly payment over a longer period, so the business can keep operating. Unlike consolidation it does not need a new loan, and unlike settlement it usually repays most or all of the balance. It suits businesses that still have steady revenue but cannot survive the current payment schedule.
Funder, balance, payment, frequency, status, and the clauses that matter: reconciliation, personal guarantee, confession of judgment, governing law.
Work out what the business can actually pay each week after payroll, rent, taxes and vendors, and split it across funders.
Each funder is asked to accept the new schedule. Every change is confirmed in a signed modification before payments switch.
Three funders, $180,000 left, a combined $2,400 every business day, about $12,000 a week. The business can sustain about $4,500 a week.
A restructured plan splits $4,500 a week across the three funders in proportion to their balances and runs about 40 weeks. Weekly payments fall by $7,500, roughly $32,000 a month back in the business. The total repaid stays close to the $180,000 owed, plus any program fee.
| Your situation | Usually the better fit |
|---|---|
| Revenue is steady, the payment is simply too high | Restructuring |
| You are behind and can raise a lump sum | Settlement |
| Good credit, one or two advances, still current | Consolidation loan |
| Your agreement has a reconciliation clause and sales have dropped | Reconciliation request first |
| Lawsuit, judgment or frozen account | Legal review, see MCA default help |
A negotiated change to the terms of existing merchant cash advances, usually a smaller payment over a longer period, without taking a new loan.
Usually not by much. The main goal is a payment the business can afford. Some funders waive fees or penalties as part of the deal, and settlement is the option that reduces the balance.
Often, yes. Moving daily debits to a weekly payment is one of the most common restructuring changes.
MCAs are not always reported to business credit bureaus, but defaults, lawsuits and judgments can show up. A documented restructuring is generally less damaging than a default.
Often a few weeks, depending on how many funders are involved and how quickly each one responds.
A plan can still go ahead with the funders who agree, but the holdout keeps pulling under the original terms. Specialists plan for this before payments switch.
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