Business Debt Relief For Other Industries
Cash flow is the lifeblood of every business, regardless of the sector. Whether you are funding critical inventory, managing payroll, or covering unexpected equipment failures, access to capital is essential. But when high-cost debt starts to consume your revenue, it can feel like the walls are closing in.
If you don't see your specific industry listed in our main menu, don't worry. Coastal Debt Resolve has helped guide businesses across a wide variety of trades toward improved financial stability.
Beyond our primary sectors, we frequently assist:
- Retail: Brick-and-mortar boutiques, grocery stores, and specialty shops.
- E-Commerce: Online retailers and digital storefronts.
- Professional Services: Law firms, accounting agencies, and consultants.
- Hospitality: Hotels, motels, and event venues.
- Logistics: Supply chain management and warehousing companies.
- Landscaping & Trade Services: Electricians, landscapers, and HVAC specialists.
Why Do These Industries Struggle with Cash Flow
- Retail & Inventory: Shops often need immediate cash to buy inventory in bulk or cover operating costs during slow seasons.
- E-Commerce Growth: Online sellers frequently use MCAs to fund web development, launch digital marketing campaigns, or stock up ahead of peak holidays.
- Service Industry Needs: Salons and spas often borrow to fund modern renovations or cover payroll during slower weeks.
- Professional Expansion: Professionals such as healthcare practices and other specialized service providers often need capital to upgrade expensive medical technology or expand patient facilities.ls, motels, and event venues.
The Challenge of Too Much MCA Debt
You are not alone. Many small business owners find themselves overburdened. If you have accumulated multiple advances, you may find it becomes extremely difficult to pay them all off and still keep your doors open.
The "Renewal" Cycle: You are forced to take a new advance just to pay off the fees of an existing one.
Cash Flow Strain: Daily or weekly payments are leaving you with zero working capital for rent or payroll.
Stagnant Principal: Despite making payments for months, the balance you owe barely seems to move.
How Coastal Debt Resolve Can Help Your Business
Your business is unique, and your plan should be too. There is no one-size-fits-all solution.
We start with a thorough review of your current debt positions and cash flow to identify practical options for your situation. Then we walk you through a proposed strategy and support you throughout the process as you work toward a resolution.
01
Confidential consultation to review your MCA agreements and financials
02
Custom negotiation plan to lower payments and extend terms (Merchant Cash Advance Settlement: How Long Does It Take?)
03
Clear timelines, documented proposals, and support through the negotiation process
04
One manageable payment so you can plan ahead with confidence
Common Questions Healthcare Owners Ask About Debt Relief
Absolutely. We list the most common industries we serve, but our debt relief program is designed for any business type struggling with Merchant Cash Advance (MCA) debt. Your particular situation may not qualify, but call us for a free consultation and we will quickly determine if we can help.
Yes. We work with many online retailers, dropshippers, and digital agencies. Since online businesses often have fluctuating revenue based on ad spend and seasonality, they are prime candidates for our program. We understand the unique cash flow cycles of digital sales platforms like Shopify, Amazon, and Stripe.
No. Our dispute and negotiation process is strictly between you, us, and your MCA creditors. We do not contact your inventory suppliers, landlords, or utility providers. Your operational relationships remain private and untouched, allowing you to keep stocking your shelves and serving customers without disruption.
Yes. The primary goal of our program is to keep your doors open. By stopping the aggressive daily or weekly payments that are starving your business of capital, we aim to give you the immediate breathing room you need to make payroll, buy inventory, and remain operational.
In most cases, you will stop making payments to your MCA lenders immediately upon enrollment. This provides instant cash flow relief. We then help with communication with the lenders to negotiate a settlement and restructure payments on terms you can actually afford.
Many retail and service businesses worry that lenders will freeze their merchant processing accounts. While some lenders may attempt this, our team is experienced in preventing and resolving "split withholding" or processing freezes. We work to ensure you can continue accepting payments from your customers.
No. This is an alternative to bankruptcy. Bankruptcy is a public legal filing that surrenders control of your assets to a trustee and can ruin your financial reputation for up to 10 years. Our program is a private, strategic negotiation focused on restructuring your debt without the stigma or court supervision of bankruptcy.
Generally, we assist businesses with a total unsecured debt load of $20,000 or more. Whether you have one large advance or accumulated five smaller ones, if the total amount exceeds $20k, we can step in to help resolve it. Even if your total unsecured debt is less than $20,000, you should still contact us if you're experiencing cash flow challenges.
A Quick Call to Review Your Options
You have put too much time, energy, and passion into your business to let cash advances put it at risk. Book your free, confidential consultation today. Let’s explore your options and take the first step toward protecting what you’ve built.