How Settlement Works
Four Stages. One Founder-Led Team. A Clear Way Out.
Our process is built around your specific debt, not a script. You get a clear plan up front, then stay focused on your business while we handle the negotiation, the paperwork, and the funder calls.
Free Consultation
Confidential and free
Tell us about your MCA and business debt. No cost, no obligation, no pressure.
- Advisor call within 30 minutes during business hours
- Full debt overview
- No-pressure game plan
Custom Debt Analysis
Find your leverage
We review every advance, lender, and payment structure to build your specific negotiation plan.
- Per-lender breakdown
- Target settlement range
- Priority order of attack
We Negotiate
You stop taking the calls
Our team works directly with your funders to settle your balance for less than you owe.
- Direct funder negotiation
- Regular status updates
- Signed settlement terms
You Grow
Cash flow restored
One manageable payment. Cash flow back in your business, where it belongs.
- Final settlement confirmation
- One manageable payment
- A clear path forward
What to have ready
- Your advance and loan agreements
- Recent business bank statements
- A list of your funders and balances
- Any legal notices you've received
After your program
When your program is complete, you're free to walk away debt-free. If you'd like to keep working with us, optional advisory services are available under a separate agreement. See the Spearpoint Path →
Questions About the Process
How long does the process take?
It depends on your debt, your funders, and your cash flow. Many clients target roughly 6 to 18 months, and we map your timeline in your plan.
What will I need to do during the program?
Keep running your business. We handle funder communication, negotiation, and paperwork, and you get regular status updates so you always know where things stand.
Who will I be working with?
Spearpoint is founder-led, not a call center. You'll talk to Robert, and when your case needs legal support, we coordinate it through our nationwide attorney network.
Is the first call really free?
Yes. Your consultation is free, confidential, and carries no obligation. You'll leave with a clear picture of your debt and a no-pressure game plan, whether or not you decide to move forward.
Start With a Free Consultation
Tell us about your debt. We respond personally within 30 minutes during business hours. Free, confidential, and no obligation.
Talk to Robert →