Stop Juggling Payments You Can't Keep Up With
Guardian Advisory Group helps business owners consolidate multiple merchant cash advances into one manageable payment — negotiated directly with your lenders.
- Confidential, no obligation
- Response within 24 hours
- We negotiate directly with lenders
Helping business owners across the U.S.
Get Your Free Debt Assessment
Tell us a bit about your situation — a consolidation specialist will call you within 24 hours.
The stacking cycle
When one advance turns into four
Most business owners we work with didn't plan to end up here. It usually starts with one advance to cover a gap — then another to cover the first one's payments.
Daily or weekly withdrawals
Multiple lenders pulling from the same account, often before you've covered payroll or rent.
Cash flow that never resets
Revenue comes in, but it's gone before it can be reinvested in the business.
Constant lender calls
Every position added makes the next conversation with funders harder to have.
How it works
Three steps toward one payment
Free assessment
We review your current MCA positions, balances, and payment schedule — no cost, no obligation.
Direct negotiation
We work directly with your funders to explore consolidation and payment restructuring options.
One manageable payment
Where possible, your positions are consolidated into a single structure sized to your cash flow.
Savings calculator
See what you could be saving
Lower your payments, free up cash flow, and unlock the potential to grow your business. Slide to your approximate MCA balance for an estimate.
Choose your debt amount
$20,000
Your estimated savings
$5,000
Estimate for illustration only. Actual savings depend on your positions, balances, and your funders’ decisions. This is not a loan offer and no specific outcome is guaranteed.
Industries we serve
We work with businesses across industries
Trucking
Keep your trucks moving and your cash flow strong. We help owner-operators and fleets explore restructuring their MCA payments, so fuel, maintenance, and payroll come first instead of daily paybacks.
Why Guardian Advisory
Built for business owners, not lenders
Confidential process
Your information stays between you and your Guardian Advisory contact.
Direct lender relationships
We negotiate with your funders directly, so you don't have to.
Fast initial response
Most inquiries get a callback from a specialist within 24 hours.
Clear next steps
You'll know exactly what your options are before you commit to anything.
Client experiences
What business owners say
Guardian Advisory gave us breathing room when we needed it most. Our daily MCA payments were crushing our cash flow, and within weeks they helped us negotiate a manageable payment plan. Instead of worrying about withdrawals every day, we're focused on growing our business again. I highly recommend their team.
Michael R.
Construction Company Owner
I spoke with several companies before choosing Guardian Advisory, and they were the only ones that took the time to explain every option without making unrealistic promises. They reduced our monthly payment significantly and kept us informed throughout the process. It was one of the best business decisions we've made.
Sarah L.
Retail Business Owner
After taking on multiple merchant cash advances, we felt trapped. Guardian Advisory created a strategy that consolidated our payments and negotiated with our lenders, giving us predictable payments we could actually afford. Our cash flow has improved dramatically, and we finally have a path forward.
David P.
Transportation Company Owner
Common questions
Before you reach out
It's the process of combining multiple merchant cash advance obligations into a single, more manageable payment structure — typically through direct negotiation with your funders. The goal is to reduce the strain of daily or weekly withdrawals so more revenue stays in your business.
Yes. Consolidating or restructuring merchant cash advance obligations through direct negotiation with your funders is a legitimate process. We recommend reviewing any agreement with a qualified attorney or advisor before signing.
It starts with a free assessment of your current positions, balances, and payment schedule. From there, we work directly with your funders to explore consolidation and restructuring options, and — where possible — help combine your positions into a single structure sized to your cash flow.
Every situation is different. Generally, we work with business owners who have one or more active merchant cash advances and are finding the payments difficult to manage. The best way to know your options is to complete a free, no-obligation assessment.
Merchant cash advances are business financing products and are handled differently from personal credit lines. Every situation is unique, so during your free assessment we'll walk through how any changes could relate to your specific accounts.
Yes. Our goal is to help ease the pressure on your cash flow so you can keep running and growing your business. We work in the background with your funders while you stay focused on operations.
This depends entirely on your specific situation and your funders. We are not a lender and do not issue loans, so there is no standard collateral requirement from us. We'll explain anything relevant to your circumstances before you commit to anything.
Timelines depend on your number of positions and how quickly your funders respond. Many business owners hear back from a specialist within 24 hours, and we move as fast as your lenders allow from there.
The initial assessment is free and comes with no obligation. If we move forward together, we'll clearly explain any terms before you commit to anything.
No. This is not a loan offer and no specific result can be guaranteed. What we can do is review your positions honestly and explain the realistic options available to you.
The first step is free
See what one manageable payment could look like
Get a confidential, no-obligation review of your current MCA positions from a consolidation specialist.