Frequently asked questions
Straight answers about MCA debt relief and our role
Understand how we review each situation, connect owners with independent servicing companies, what to prepare, and why no outcome is guaranteed.
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.
What should I prepare before a consultation?
Bring every MCA or debt agreement, recent bank and processor statements, current balances and payment schedules, creditor communications, basic business financials, and a list of payroll, taxes, rent, and essential vendors.
Should I stop or change payments before the consultation?
Do not stop or alter contractual payments based only on website information. Gather the agreements and current notices so the risks and next-step questions can be reviewed for your specific circumstances.
Does New Guidance Group provide legal, tax, or accounting advice?
No. New Guidance Group does not provide legal, tax, or accounting advice. Questions in those areas should be addressed with an appropriately qualified professional.
How much does the initial consultation cost?
The initial 30-minute consultation offered through this website is complimentary. Any fees for an engagement or an independent third-party service should be explained in separate terms before you decide to proceed.
Nationwide support
Have a question specific to your business debt?
A general FAQ cannot account for your agreements, cash flow, creditor status, or current notices. Bring the complete picture to a complimentary review.