At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Regroup Partners
Regroup Partners operates from Boca Raton, Florida, focusing almost exclusively on merchant cash advance debt settlement. While other business debt firms offer MCA services as one item on a larger menu, Regroup has built their entire practice around the MCA industry — they understand funder behavior, contract structures, and negotiation leverage points that generalist firms simply do not encounter often enough to master. The MCA industry operates in a legal gray area that makes debt resolution fundamentally different from traditional loan settlement. MCAs are structured as purchases of future receivables, not loans, which means standard lending regulations do not apply. MCA contracts routinely include confession of judgment clauses, personal guarantees, UCC liens on business assets, and authorization for daily ACH withdrawals directly from business bank accounts. Regroup knows how to navigate every one of these mechanisms because it is all they do. The company negotiates directly with MCA funders to achieve three objectives: stop or reduce daily ACH withdrawals, negotiate reduced payoff amounts, and restructure remaining balances into manageable payment plans. Their average settlement reduces MCA balances by 30-55%, though results vary significantly based on the specific funder, how delinquent the account is, and the strength of the contract terms. Regroup handles individual MCA advances and stacked MCA situations where businesses have taken multiple overlapping advances from different funders.
Key Features
MCA-Only Focus
Built exclusively around merchant cash advance resolution. Every team member, every negotiation strategy, every client interaction is centered on MCA debt.
ACH Withdrawal Management
Works to stop or reduce daily ACH debits from MCA funders during negotiation — the single most urgent issue for most MCA-distressed businesses.
Funder Relationship Network
Has established working relationships with major MCA funders, which means faster response times and more predictable negotiation outcomes.
Stacked MCA Resolution
Specializes in untangling stacked MCA situations where multiple funders are simultaneously withdrawing from the same business account.
How It Works
MCA Portfolio Review
Regroup reviews all MCA contracts, daily withdrawal amounts, remaining balances, and personal guarantee exposure to assess the full scope of the problem.
ACH Stabilization
The first priority is stabilizing your bank account by working with funders to pause or reduce daily ACH withdrawals while negotiations proceed.
Funder Negotiation
Regroup negotiates directly with each MCA company to reduce the total payoff amount and convert daily withdrawals into fixed monthly payments.
Settlement Execution
Once terms are agreed, settlements are executed with full documentation. Remaining balances are paid under the negotiated terms.
What They Do
- MCA Debt Settlement
- MCA Debt Restructuring
- ACH Withdrawal Management
- Stacked MCA Resolution
- Revenue-Based Financing Settlement
Debt Types They Take On
- Merchant Cash Advances
- Revenue-Based Financing
- Business Cash Advances
- Factoring Advances
- ACH Loan Products
- Stacked MCA Positions
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
E-Commerce Business with 3 Stacked MCAs Totaling $175K
An e-commerce business had taken three overlapping MCA advances totaling \$175,000, with combined daily ACH withdrawals of \$1,200. The business was profitable on paper but the daily withdrawals left no operating capital. Regroup negotiated all three funders simultaneously, achieving ACH pauses within the first 3 weeks.
Auto Repair Chain with $95K Single MCA
A two-location auto repair business took a single \$95,000 MCA advance at an effective factor rate of 1.45 (45% cost of capital). Daily withdrawals of \$680 were sustainable initially but became crushing when revenue dropped during a slow season. Regroup negotiated a settlement before the account went into default.
Pros & Cons
Pros
- Exclusive MCA focus means deeper expertise than firms where MCA settlement is one service among many — every staff member specializes in MCA negotiation
- Established relationships with major MCA funders result in faster negotiations and more predictable outcomes than cold-call approaches
- ACH stabilization as the first priority addresses the most urgent business need — stopping the daily cash drain before negotiating long-term solutions
- Handles stacked MCA situations that most generalist firms lack the experience to untangle — coordinating multiple funder negotiations simultaneously
- Performance-based fees mean you only pay when settlements are achieved — no upfront retainers or consulting fees
Cons
- B+ BBB rating is lower than competitors — some clients may prefer firms with A or A+ BBB standing
- MCA-only focus means they cannot help with traditional commercial debt, vendor payables, or equipment financing — you need a second firm for non-MCA obligations
- Newer firm without the multi-decade track record of companies like American Finasco — less institutional history to evaluate
User Reviews (15)
ACH stopped in 10 days
Had \$1,400/day coming out of my account across 3 MCAs. Regroup got 2 of the 3 to pause ACH within 10 days. Third one took 3 weeks. That first 10 days saved my business because I could finally make payroll again.
good settlement but BBB rating could be better
Settled my \$65K MCA for \$37K. Solid result. But their B+ BBB rating gave me pause when researching. Everything ended up fine, but an A or A+ would inspire more confidence.
they know every MCA funder
Regroup knew my exact funder's settlement patterns before even reviewing my contract. They said this funder typically settles at 42-48%. My actual settlement: 45%. That kind of specific knowledge comes from doing this all day every day.
confession of judgment before they could negotiate
One MCA funder filed a confession of judgment within 2 weeks of me engaging Regroup. They had not even started negotiating that account yet. Regroup helped me find an attorney to fight it but could not handle it themselves. Not their fault but still a scary experience.
stacked MCAs untangled
Five MCAs from four different funders. Total \$230K. Daily withdrawals of \$2,100. Regroup coordinated all four funder negotiations simultaneously. Settled everything for \$118K over 9 months. I thought my business was dead. It was not.
MCA only though
Settled my MCA debt perfectly. But I also had \$40K in vendor payables they could not help with. Had to hire BDA separately for that. One firm handling everything would have been easier and probably cheaper.
performance based so no risk
No retainer, no upfront fees. They only get paid when an MCA is settled. That made the decision easy. If they do not produce results, I do not pay.
fast timeline
Two MCAs settled in under 4 months. I was told 6-8. Regroup said these particular funders are motivated to settle fast and they were right. Back to normal operations by summer.
one funder was stubborn
3 MCAs enrolled. 2 settled at 40% and 45% reduction. Third funder held at 70 cents on the dollar. Regroup warned me this funder is difficult but it still stung to pay 70% on that one. Overall savings still significant.
ACH pause did not hold
Regroup got an ACH pause for 3 weeks. Then the funder restarted withdrawals while negotiations continued. Had to go through the process again. Eventually settled, but that restart period was financially devastating.
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Important Business Debt Disclaimers
- Business debt settlement may negatively impact your company's credit profile and personal credit if you have personally guaranteed the obligations. Missed payments during negotiation will appear on credit reports.
- There is no guarantee that any creditor or MCA company will agree to settle for a reduced amount. Funders and creditors retain full legal rights to pursue collection, including lawsuits, UCC liens, and bank account freezes.
- Settlement fees for commercial debt typically range from 15%-30% of the enrolled debt amount. You should fully understand the fee structure before enrolling. Verify whether fees are charged on enrolled debt or settled savings.
- Forgiven business debt of $600 or more may be treated as taxable income by the IRS and reported on Form 1099-C. Consult a tax professional about the implications for your business entity.
- Merchant cash advance (MCA) companies may have daily or weekly ACH withdrawal rights under your contract. Stopping payments may trigger confession of judgment clauses, UCC liens, or immediate legal action depending on your state.
- Alternatives to business debt settlement include SBA disaster loans, business debt consolidation, Chapter 11 or Subchapter V bankruptcy, receivership, and direct creditor negotiation. Consult with a licensed attorney or financial advisor before enrolling in any business debt program.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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