Merchant Cash Advances (MCAs) can feel like a ticking time bomb for small business owners. High daily payments, unreasonable payback multiples, and sudden account freezes are unfortunately the norm—not the exception.
That’s exactly what one of our clients was facing when she came to WaterWorks Agency.
The Problem: Her Business Was About to Go Negative
This was a woman with grit. Her credit score hovered around 650. She wasn’t maxed out yet—but her utilization was high. And that last MCA she took on was about to trigger an overdraft.
With every daily withdrawal, she was getting closer to having her account go negative. And with three MCAs in the background already, another cash flow squeeze would’ve meant disaster: employee pay delays, loss of vendor trust, and even defaulting on essential services.
But she didn’t need a bailout. She needed strategy.
The Strategy: Trade Lines, Timing, and One Smart Move
We didn’t throw her into bankruptcy. We didn’t recommend another loan. We didn’t promise her the world and disappear.
Instead, we helped her add strategic trade lines that gave her more breathing room across her full Tri-Merge credit report. That shift alone boosted her positioning—not just cosmetically, but in the eyes of the underwriters we knew we’d need.
Then we helped her access a fresh funding option through her EIN—with 0% interest—that gave her the leverage to:
- Pay down credit card utilization
- Settle or consolidate her existing MCA positions
- Keep enough money in her account to float a 30-day transition
And all of that… before her newest MCA even hit.
The Result: $60K in MCA Debt Wiped Out in 30 Days
With our support, this business owner consolidated everything into one clean move, paid down her utilization, and got rid of $60,000 in merchant cash advance debt without bankruptcy, charge-offs, or negative press.
Today? She has multiple 0% options reporting EIN-only, access to net terms, and finally—control of her cash flow.
What’s the Catch?
There is none—but we don’t post the full playbook online.
We work with business owners who are ready to move smart. Not everyone qualifies. But if your credit is at least a 650, your business is real, and you’re done playing defense with these predatory lenders—then we may be able to help.
Step one is pulling your Tri-Merge Credit Report using our verified partner link:
👉 Pull Your Tri-Merge Here with CreditDyno
This is the same report underwriters see—and we use it to map out your next 30 days with precision.
No guesswork. No nonsense. Just a strategy that gets results.
