About The MCA Killer
We're on a mission to free business owners from predatory debt and restore financial stability.
The Truth About MCA Loans
Merchant Cash Advances (MCAs) are marketed as quick, easy funding for small businesses. But the reality is far more sinister. These products are designed with one goal: to extract maximum profit from struggling businesses through predatory terms and aggressive collection practices.
How MCAs Trap Business Owners
- •Daily Debits: Constant withdrawals from your bank account drain cash flow and make it impossible to plan or invest in growth.
- •Sky-High Costs: Effective APRs often exceed 100%, sometimes reaching 200-300% or more.
- •Renewal Traps: When you can't keep up, lenders push you into renewals that only deepen your debt.
- •No Regulation: MCAs aren't technically loans, so they avoid consumer protection laws.
- •Aggressive Tactics: Some MCA companies use intimidation, threats, and even legal action to collect.
The result? Business owners find themselves working harder than ever just to service debt, with no path to profitability or growth. Many are forced to close their doors, losing everything they've built.
But it doesn't have to be this way. There is a way out.
Our Mission
At The MCA Killer, we believe every business owner deserves access to fair, transparent financing that supports growth rather than strangles it. Our mission is simple but powerful:
"To free business owners from predatory MCA debt and replace it with sustainable, long-term financing that enables recovery and growth."
We do this through our MCA Killer Loan—a 10-year term loan specifically designed to pay off existing MCA balances and consolidate them into one manageable monthly payment. This isn't just refinancing; it's financial restoration.
Transparent Terms
Year Repayment Period
Fixed Monthly Payment
We're committed to transparency, fairness, and long-term success. No hidden fees. No daily debits. No aggressive renewals. Just honest financing that gives you the breathing room you need to rebuild.
Meet the Experts
John Davidson
Founder & CEO
With over 20 years in commercial lending, John has helped hundreds of businesses escape predatory debt and achieve sustainable growth. His mission is to bring transparency and fairness back to business financing.
Sarah Martinez
Chief Financial Officer
Sarah brings 15 years of experience in financial restructuring and debt management. She specializes in creating customized solutions that restore financial health and enable long-term success.
Michael Kim
Director of Client Services
Michael leads our client services team with a focus on personalized support and education. He ensures every business owner understands their options and feels empowered throughout the exit process.
Lisa Patel
Senior Loan Advisor
With a background in small business advocacy, Lisa works directly with clients to structure loans that fit their unique situations. Her expertise has helped countless businesses break free from MCA traps.