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Debt Consolidation for MCA Holders

Your Path to Stability

Helping Over-Leveraged Businesses Regain Control

At Lead Sensei Capital, we understand how multiple MCA payments can quickly overwhelm a business’s cash flow. Our Business Debt Modification Program is designed to help merchants who are over-leveraged with MCA or unsecured debt and need immediate relief without damaging their borrowing profile.
 
If your business is struggling to keep up with daily or weekly payments, facing missed payments, or falling behind on payroll and operational costs, this program can help you regain financial control and stability.
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How It Works

Our team works directly with your existing lenders to renegotiate new terms that align with your business’s current cash flow. Within 24–48 hours of enrollment, we begin reaching out to lenders to verify transaction histories, confirm balances, and start the negotiation process.

We confirm all ledgers to ensure complete transparency.

New agreements are typically finalized within 1–4 weeks.

Monthly payments are reduced by an average of 50–70%, providing instant cash flow improvement.

All lenders receive 100% repayment, with accounts marked as “Paid in Full”—not “settled for less.”

By pursuing full payback rather than settlements, we protect your borrowing profile and position your business to qualify for more traditional financing in the future.
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Program Benefits

Lower monthly payments by 50–70%

Protect business credit and reputation

Stop collections, liens, and legal actions once new agreements are in place

100% lender repayment with “Paid in Full” status

Average turnaround of 2–4 weeks for new agreements

Fees included in the new reduced payments (typically over 6–8 months)

Available for all industries and across all 50 states

Minimum total debt: $40,000

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Why Businesses Choose Lead Sensei Capital

Collaborative Approach, Long-Term Stability

Our approach is built on collaboration, transparency, and long-term relationships with lenders. Because we negotiate with the goal of full repayment—not settlements—we’re able to achieve faster resolutions, protect your credit standing, and provide a sustainable path forward.

Proven Business Recovery Success

We’ve helped countless business owners stop the cycle of high-cost MCA payments, regain their footing, and prepare for a stronger financial future.

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Get Your Business Back on Track

If your business is struggling with stacked advances or overwhelming MCA debt, Lead Sensei Capital can help. Our debt modification experts will guide you through every step—from lender negotiations to finalizing new agreements—so you can focus on running your business again.

Take the first step today.

Contact us to learn how our Debt Consolidation Program can help your business regain control and move forward with confidence.
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