Understanding Coastal Debt Resolve Fees & Pricing
At Coastal Debt Resolve, we believe in complete transparency when it comes to the cost of our business debt relief programs.
We know that when you are dealing with merchant cash advances (MCAs) and high-interest business loans, cash flow is your absolute top priority. Our primary objective is simple: to work towards you paying significantly less through our program than you would have if you attempted to pay off your original obligations.
Our program is designed for businesses facing financial hardship. We understand that the only way you can keep your business open is if you have the operating capital you need to function.
Our goal is to save you substantial amounts of money, and that is after our fee is accounted for.
Where Do Your Fees Go?
Resolving complex business debt requires a highly coordinated, time-intensive, and specialized approach. Our fees are strictly reinvested into the resources required to protect your business and secure the best possible settlements.
When you partner with Coastal Debt Resolve, your fees cover:
- Attorney Fees & Legal Support: MCA lenders can utilize strong collection tactics at times. A portion of our costs goes directly toward legal resources to evaluate your contracts, navigate complex legal maneuvers like Confessions of Judgment (COJs), and represent your business in court if necessary.
- Auditing Your Cash Flow
- Reviewing Lender Agreements
- Expert Debt Negotiators: You aren't just paying for a service. You are paying for human expertise. We employ seasoned negotiators who understand the internal workings of specific MCA funders and banks, allowing them to leverage industry relationships to reduce your principal balances.
- Dedicated Team of Debt Advisors: We invest heavily in our human resources and account management teams. Our fees ensure you have a dedicated representative to answer your questions, provide real-time updates on your settlements, and guide you through the process from day one until your final debt is cleared.
How We Calculate Your Cost
Because every business's financial situation is unique, there is no one-size-fits-all fee. The cost of your specific program is customized based on the complexity of your case.
Several factors influence the final cost, including:
- Total Debt Volume: The overall amount of debt you need to enroll in the program.
- Number of Creditors: Negotiating with one lender requires a different amount of time and resources than negotiating with five separate aggressive MCA funders.
- Creditor Participation & Demands: Some lenders are known to be far more litigious and difficult to negotiate with than others, requiring heavier legal and administrative intervention.
- Available Cash Flow: How much capital your business can realistically put toward funding your debt settlements each month.
- The Type of Debt: Different financial products (traditional term loans vs. daily-draw MCAs) require entirely different legal and negotiation strategies.
The Bottom Line: True Net Savings
We do not win unless you win. We analyze your debt-to-income ratio and your specific creditors before you ever sign an agreement. If we do not believe we can provide you with substantial net savings, we will not take on your case.
When you evaluate our fees, look at the net savings. Even after our program costs and attorney fees are factored in, our objective is to radically reduce your total out-of-pocket payout, eliminate daily payments, and restore your cash flow so your business can get back to doing what it does best.
Are you ready to see how much you could save?