Helping Businesses Regain Financial Control
We help business owners navigate financial challenges by connecting them with restructuring solutions for Merchant Cash Advances and commercial debt, empowering them to improve cash flow and build a stronger financial future.
Request Received
Thank you. A member of our team will reach out shortly about your confidential consultation. If it is urgent, call (866) 315-3280.
A complete debt review—not another financing application
Why owners call us
The payments are current. The business is still running out of cash.
Daily and weekly withdrawals can leave too little for payroll, taxes, rent, and essential vendors. Speak directly with New Guidance Group for a review of the full obligation picture. If additional servicing is appropriate, we connect you with an independent company that handles the response and all fulfillment.
Analyze the full picture
Review agreements, renewals, balances, withdrawals, cash flow, and current creditor activity together.
Review and connect
Review the facts, identify the owner's needs, and connect them with an independent servicing company.
Bring in the right resources
Connect the owner with an independent servicing company that handles all fulfillment.
Debt relief solutions
Start with the pressure affecting the business now
MCA Debt Relief
Get an organized review of daily or weekly MCA withdrawals and a connection to an independent servicing company suited to the situation.
Explore this pathStacked MCA Review
Review how several merchant cash advances compete for the same business revenue before connecting with a servicing company.
Explore this pathDebt Review
Review payment pressure, hardship, and realistic resolution needs before connecting the owner with a servicing company.
Explore this pathCommercial Debt Review
Review commercial loans, lines, leases, advances, and vendor obligations before connecting with a servicing company.
Explore this pathRecovery Review
Review operating cash flow and debt pressure before connecting the owner with a servicing company that handles recovery planning.
Explore this pathFocused MCA guidance
MCA debt help starts with the obligations you already have
Learn what debt help means without another financing application, and how potential restructuring terms are evaluated against the cash flow your business can actually support.
MCA Debt Help
Review unaffordable MCA withdrawals, operating cash flow, and realistic next steps before connecting with an independent servicing company.
Explore this reviewMCA Debt Restructuring
Understand MCA restructuring, reconciliation, and settlement, and compare proposed payments, total obligations, fees, and written conditions.
Explore this reviewNationwide industry support
Debt pressure behaves differently across operating models
Illustrative reviews
See how the debt picture gets organized
These are educational examples—not client results, promised reductions, or predictions of creditor responses.
View the scenario libraryEducational scenario
Restaurant Stacked MCA Review Scenario
An educational example showing how a restaurant might organize several daily withdrawals before negotiations begin.
Educational scenario
Construction MCA Payment-Pressure Scenario
An educational example for coordinating MCA obligations with project mobilization, progress payments, and retainage.
Debt relief education
Know the warning signs and prepare the facts
MCA debt relief
Merchant Cash Advance Pressure: Five Cash-Flow Warning Signs
Recognize when frequent remittances are crowding out payroll, taxes, inventory, or essential operations.
Stacked MCA
What Stacked MCA Debt Means for Business Cash Flow
Understand how several merchant cash advances compete for the same deposits and why the complete stack must be reviewed together.
Preparation
How to Prepare for a Business Debt Review
Organize agreements, balances, payments, notices, and operating cash flow before discussing debt relief options.
Frequently asked questions
Understand the role and the next step
What does New Guidance Group do?
New Guidance Group reviews business debt and cash flow, then connects business owners with independent servicing companies that handle negotiations, restructuring, creditor communications, and all fulfillment.
Is merchant cash advance debt the primary focus?
Yes. Merchant cash advances and stacked MCA positions are our primary focus. We can also review related commercial obligations when they affect the complete recovery strategy.
Does New Guidance Group serve businesses nationwide?
Yes. We work with business owners nationwide. The availability and requirements of any independent provider or professional involved in a particular matter may vary by location and situation.
Is New Guidance Group a lender?
No. New Guidance Group does not make loans, extend credit, approve financing, negotiate, or provide fulfillment. We review each situation and connect owners with independent servicing companies.
Who handles creditor negotiations?
Independent servicing companies handle creditor negotiations, communications, and all fulfillment. New Guidance Group reviews the situation and connects the owner with an appropriate company.
Does a consultation guarantee a payment reduction or settlement?
No. Creditors and independent providers make their own decisions, and outcomes depend on the agreements, hardship, available cash flow, creditor posture, and other facts. No reduction, acceptance, timeline, or outcome is guaranteed.
How It Works
A Structured Path From Payment Pressure to a Recovery Plan
Every engagement starts with the full debt picture. Creditor concessions, revised payments, timelines, and outcomes depend on the facts and are never guaranteed.
Confidential Debt Review
A private, no-obligation conversation about the MCA agreements, payment pressure, cash flow, creditor activity, and immediate concerns.
Complete Financial Analysis
An organized review of every obligation, withdrawal, agreement, renewal, essential expense, and available source of payment.
Situation Review
A clear review of documented hardship, creditor status, operating needs, and what the business can realistically support.
Servicing Company Connection
New Guidance Group connects the owner with an independent servicing company that manages communications, next steps, and all fulfillment.
Request a Confidential MCA Debt Review
Tell us about your MCA agreements, current status, and total balance. We will review the information and follow up about a complimentary consultation available to business owners nationwide.
Request Received
Thank you. A member of our team will reach out shortly about your confidential consultation. If it is urgent, call (866) 315-3280.
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