MCA Debt Specialists Since 2016

Break Free from
Crushing MCA
Payments

Reduce your daily payments by up to 60%. Our 500+ attorney network has helped 5,500+ business owners restructure over $1 billion in merchant cash advances.

$1 BILLION+
Restructured
UP TO 60%
Payment Drop
500+ LAWYERS
Nationwide
Start Your Free Consultation →
Since 2016 • 500+ Attorneys • $1B+ Restructured • 5,500+ Businesses • A+ Trustpilot • Since 2016 • 500+ Attorneys • $1B+ Restructured • 5,500+ Businesses • A+ Trustpilot • Since 2016 • 500+ Attorneys • $1B+ Restructured • 5,500+ Businesses • A+ Trustpilot •

Is MCA Debt Drowning Your Business?

-60%

Daily Payment Drain

Daily ACH Withdrawals Strangling Your Cash Flow

5+

Multiple MCA Trap

Juggling 3, 4, 5+ MCAs at Crushing Rates

×3

Reverse Consolidation

New MCAs to Pay Old Ones — Debt Multiplying 2-3x

24/7

Lender Harassment

Daily Calls to You, Family, Even Your Customers

LEVY

Account Garnishment Fear

Threat of Bank Levies & Merchant Account Seizures

COJ

Legal Threats

Confessions of Judgment & Lawsuit Intimidation

The Relief You've Been Looking For

Eastern Financial Partners specializes exclusively in merchant cash advance restructuring. Our network of 500+ attorneys negotiates directly with lenders to reduce your payments, lower your principal balance, and restore your business cash flow.

-60%

Reduce Payments Up to 60%

Negotiate daily/weekly obligations down to manageable amounts. Our fees are included in your new, lower payment—no hidden costs.

Average 40-60% reduction
CUT

Slash Your Total Debt

Our attorneys bundle agreements and leverage relationships with lenders to reduce your principal balance, not just extend payments.

$20M+ in monthly settlements
FREE

Get Out of Debt Faster

Structured plans that clear your obligations quicker than struggling alone. Regain control of your cash flow and your future.

2-6 week process

Typical Result:

BEFORE

$4,800/week
Payment
$180,000
Total Owed

AFTER

$1,920/week
Payment
$98,000
Total Owed
60% REDUCTION

Your Clear Path to Financial Freedom

Step 1

Free Confidential Consultation

Speak with our MCA debt specialists about your situation. No pressure, no obligation—just expert guidance on your options.

15-30 minutes
Schedule Your Free Call
Step 2

Comprehensive Debt Review

We analyze every MCA—payment schedules, lenders, terms, and leverage points. Our team identifies exactly how much we can restructure.

1-2 business days
500+ attorneys reviewing
Step 3

Expert Legal Negotiation

Our nationwide attorney network goes to work, leveraging $20M+ in monthly bundled settlements to negotiate your best possible terms.

2-6 weeks average
Batch power advantage
Step 4

New Terms, Real Relief

Lower payments, reduced principal, restored cash flow. Get back to growing your business instead of drowning in debt.

60% average reduction
Fees included in new payment
KEY

THE EFP ADVANTAGE

"Every business's debt is unique. We analyze your specific situation and leverage our relationships with lenders to get you the best possible terms. Our attorneys submit over $20 million in monthly settlements—giving you the power of 10,000 accounts instead of just one."

The Power of 10,000 vs. 1

Why Our Clients Save More

When a business enrolls with Eastern Financial Partners, their negotiating power exponentially grows because of our batch settlement strategy. We bundle thousands of accounts at once monthly to increase everyone's savings potential. The influence of 10,000 accounts vs. one account on your own is staggering, allowing us to get you the best terms possible for your restructure.

1
Going Alone
1 Account
VS
10K+
With EFP
10,000+ Accounts
$20M+ in monthly negotiations

Why 5,500+ Business Owners Trust Eastern Financial Partners

MCA

Exclusive MCA Specialists

We don't do credit cards. We don't do traditional loans. Just Merchant Cash Advances—inside and out. This laser focus makes us the nation's leading experts.

100% MCA Focus Since 2016
$1B+

Proven Track Record

$1+ billion restructured, 5,500+ businesses nationwide

$0

Zero Upfront Fees

Our costs are built into your lower payment

1:1

Case-by-Case Solutions

Every restructuring plan customized to your unique situation

500+

Established Credibility

$20M+ monthly settlements build negotiation power

LAW

500+ ATTORNEYS NATIONWIDE

Licensed in most jurisdictions across the United States

Real Business Owners. Real Results.

"I was drowning in MCA debt—over $180k with multiple lenders calling daily. Eastern Financial Partners got my payments reduced by 60% and cut my total debt to $95k. They gave me my life back."

— Michael R.
Restaurant Owner | Miami FL
Food Service Payment reduced 60%

"The team at Eastern Financial helped me in every aspect possible to better my financial needs with the super high interest predatory cash advances. The professionalism and results speak for themselves."

— Boris Y.
Restaurant Owner | Florida
Restaurant 3 MCAs to 1 payment

"Within 3 months I started to see how the debt was going down and I felt this huge weight lift off of me. We are beyond grateful to have been introduced to Eastern Financial Partners."

— M. Naser
Medical Practice | California
Medical Principal cut 45%

Excellent | 4.8 out of 5 based on 74 reviews

View All Reviews on Trustpilot →

Frequently Asked Questions

We provide business debt restructuring for businesses with Merchant Cash Advances only. We specialize in MCA negotiations, making us the best choice in the country for businesses restricted by MCA terms.

Every business's debt is unique and the restructuring plan is on a case-by-case basis. In general terms, we analyze your debt commitments and payment schedules, and based on the lenders, we can determine how much of the commitments can be renegotiated. Our attorneys bundle restructuring agreements when they submit new terms to lenders, giving you the best new terms possible to open up your business cash flow, along with getting you out of the debt faster than on your own.

Yes! There are no upfront costs. Our fees are included in your new, restructured payment, which is already significantly lower than what you're paying now. You save money from day one.

The typical timeline is 2-6 weeks from initial consultation to new terms. The exact timeline depends on the complexity of your situation and the number of MCAs involved.

Most MCAs don't report to credit bureaus, so restructuring typically has minimal impact on your credit score. We focus on improving your cash flow and business health, which helps you avoid defaults that could harm your credit.

We specialize exclusively in MCA restructuring—not credit cards, not traditional loans, only merchant cash advances. Our 500+ attorney network and $20M+ in monthly bundled settlements give you negotiating power you can't get anywhere else. We've helped 5,500+ businesses and restructured over $1 billion in MCA debt since 2016.

Get Your Free Consultation

Take the first step toward financial freedom. No obligation, completely confidential.

Business Information

Contact Details

MCA Debt Information

(888) 381-4057

Click to Call

Mon-Fri 8am-7pm EST

Same-day response

  • No Obligation
  • 100% Confidential
  • Free Analysis

Other Ways to Reach Us

Call Us
(888) 381-4057
Mon-Fri 8am-7pm EST
Email Us
24hr response
Locations
HQ Office:
125 Half Mile Road, Suite 200
Red Bank, NJ 07701

Satellite Office:
1095 Broken Sound Pkwy #203
Boca Raton, FL 33487
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