What Types of Debt Can Be Included In the Program?

TABLE OF CONTENTS

• 1. Merchant Cash Advances (MCAs)
• 2. Business Credit Cards
• 3. Unsecured Business Loans
• 4. Vendor and Supplier Debt
• 5. Equipment Financing (Select Cases)
• 6. Unpaid Business Lines of Credit
• What’s Typically Not Eligible?

Debt Consultants Group (DCG) specializes in resolving unsecured and uncollateralized business debts—those that are not tied to physical assets. Our goal is to help business owners reduce the burden of high-cost, short-term debt that disrupts cash flow and threatens operational stability. Below is a detailed overview of the types of debt that may qualify for inclusion in our program:

1. Merchant Cash Advances (MCAs)

One of the most common types of debt we handle, MCAs are advances based on future receivables. They typically involve daily or weekly repayments with extremely high effective interest rates. If you’ve taken out one or more MCAs and are struggling to keep up with payments, this program is specifically designed to help.

2. Business Credit Cards

Revolving credit lines issued in your company’s name with high interest rates and minimum payment traps can quickly become unmanageable. We can negotiate reductions in the outstanding balances on business credit cards from most major financial institutions.

3. Unsecured Business Loans

These are loans provided by alternative lenders or online platforms that do not require collateral. Their short terms and aggressive repayment structures often create financial strain. We work to reduce and restructure these debts into more sustainable terms.

4. Vendor and Supplier Debt

If your business has outstanding invoices or credit lines with vendors or suppliers, these can sometimes be included—especially if they are past due and have not yet been sent to collections. Each case is reviewed individually for eligibility.

5. Equipment Financing (Select Cases)

In some cases, we may be able to negotiate balances on leased or financed equipment if the financing agreement is unsecured or has been defaulted on. However, equipment that serves as collateral may not qualify unless the lender has already initiated recovery efforts or written off the asset.

6. Unpaid Business Lines of Credit

These are revolving or term credit facilities extended to businesses without collateral. If the line has been maxed out or placed into collections, we can often assist with settlement negotiations.

What’s Typically Not Eligible?

• Debts secured by physical collateral (e.g., real estate, vehicles, or machinery)

• Personal debts or consumer credit (unless directly tied to the business)

• Payroll tax liabilities or government-backed loans (e.g., SBA loans, PPP loans)

• Leases or contracts still under active service or delivery

If you're unsure whether a specific debt qualifies, our team is happy to review your situation and provide guidance. Every business is unique, and we tailor our approach accordingly. Reach out to us for a free consultation.