Merchant Cash Advance (MCA) Restructuring Services

LOWER YOUR PAYMENTS: MERCHANT CASH ADVANCE RESTRUCTURING

Merchant Cash Advance restructuring can be a simple process. Your creditors will not tell you this though.

Avoid bankruptcy. Stop harassing and stressful collection activity. Solve your business’ Merchant Cash Advance (MCA) debt situation.

Restructuring services are provided by New Horizons Restructuring LLC, a Kanjorski Partners related restructuring service entity.

View our FREE white paper report on Merchant Cash Advance (MCA) Restructuring:

“THE CRITICAL DANGERS OF MERCHANT CASH ADVANCES”

Merchant Cash Advance Reconciliation Services

Our extensive experience in MCA contract review, accounting reconciliation and our vast knowledge of legal collections throughout the US can help your business potentially get refunds and/or credits from either temporary or permanent over-payments owed to you contractually from the MCA companies.

Merchant Cash Advance Reconciliation and Collection and Recovery of Over-Payments — KANJORSKI PARTNERS, LLC

Deal Maker Magazine - Refinancing Merchant Cash Advances

Refinancing Merchant Cash Advances — Deal Maker Magazine (dealmaker-magazine.com)

Merchant Cash Advance Refinance Case Study

Construction Contractor - Electrical & Remodeling

MCA Total Balance: $225,595

Total Daily & Weekly MCA Payments Per Month: $48,955

Working Capital Given to Borrower at Closing: $30,000

New Refinanced Term Loan Payment: $14,623

Monthly Debt Service / Cash Flow Savings: $34,332

(plus $30,000 of working capital received at closing)

Refinance Merchant Cash Advances to a Term Loan with a Monthly Payment

Small businesses that are struggling with predatory merchant cash advances. Daily and weekly payments and effective APR of 60% up to 200%+ are crushing small businesses across the nation as we post this.

Kanjorski Partners LLC, has been refinancing small businesses across the US and providing additional working capital since Sept 2019.

Refinance of the entire MCA capital stack for a business and refinances it into a term loan resulting in a reduction of total monthly debt service payments by 50% to 90% for small business owners.

We are proud to be a part of an initiative and provide this solution to small businesses to help them deleverage and exit of predatory merchant cash advances positions and restore liquidity and equity to their balance sheet.

$70mm Spinal Surgeon Group Settlement Portfolio

$70mm Spinal Surgeon Group Settlement Portfolio

• $57mm billed charges out-of-network

• $13mm billed charges w LOPs in place

• $70mm total billed charges

• Multi-state and multi-site portfolio

• Registrations Process:

  • 1) execute fee agreement / NDA / non-circumvent

  • 2) provide proof of closing funds

  • 3) execute NDA/Conf. Agreement compliant with Health Insurance Portability and Accountability Act of 1996 and Enforcement Rules at 45 CFR Part 160 and Part 164 prior to receiving due diligence data

  • Bidder registration cutoff Wed, Jan 22nd at 4 PM EST

  • Indicative Bids due Wed, Jan 29th by 4 PM EST

  • Email sbernarsky@kanjorskipartners.com for registration

$88mm Medical Settlement Receivable Portfolio Sale Announcement

$88mm Medical Settlement Portfolio

• $88mm medical surgery center personal injury claims

• All claims have Letter of Protection in place

• 80-90% auto (MVA); 10-20% slip and fall (Premises advanced at 50% of MVA rates)

• Seller is current servicer (winning bidder can stay with current servicer or take over servicing rights)

• Bid floor is $19mm (21.5% of Unresolved Receivable)

• Must execute NDA and Conf. Agreement compliant with Health Insurance Portability and Accountability Act of 1996 and Enforcement Rules at 45 CFR Part 160 and Part 164 prior to receiving due diligence data

• Proof of closing funds due after NDA execution

• Forward flow (right of first refusal) on a monthly flow of approx $8 to $10mm (contract available to winning bidder)

• Bidder sign up cutoff Monday 11/18/2019 at 4 PM EST

• Bids due Thursday 11/21/2019 by 4 PM EST

• Contact us for registration information

Small Business Merchant Cash Advance Refinance Program

Kanjorski Partners is pleased to announce the launch of our Small Business Refinance Program focused on refinancing Merchant Cash Advances and other Small Business debt. Below are the general program details:

Pre-Qualification Requirements (answer in 24 to 48 hours):

• Names of all MCA Companies owed
• Total Amount Owed to each MCA company
• Daily Payments to each MCA company
• Status with each MCA company (current, default or currently in seizure/garnishment)
• A current AR aging report
• A current AP aging report / debt schedule
• Interim P/L and Balance Sheet and previous year P/L and Balance Sheet
• Last 12 months of bank statements
• Completed loan application (all listed requirements on last page)​

​MCA & Business Debt Refinancing General Loan Terms (typically 5 to 10 business days for full underwriting):​​

• Refinance all of your current merchant cash advances into one monthly or bi-monthly payment
• Save up to 60% on your total current monthly payment amounts
• Re-amortize your advances to a 1 to 3 year amortization and term
• Possible approval for additional working capital at closing
• Loan size (all outstanding advances must total a minimum of $50k up to $1mm; can refinance larger amounts through syndication)
• Anticipated annual interest rate (25% to 30%)
• Anticipated average loan terms (1 to 3 year term with 1 to 3 year amortization)
• Personal & Spousal Guarantees required by all owners with more than 20% interest in Company
• Stock pledge & UCC-1 lien filing
• Sufficient receivable and/or asset coverage for the loan (determined in underwriting)
• End of term refinance program options to renew or qualify for a new operating line of credit or term loan

Visit here to apply:

https://www.kanjorskipartners.com/refinance

Legal Collection Network

Our private and master-serviced nationwide legal collection network will advance court costs to litigate on your legal collection claims.

Place your accounts to one centralized placement point for litigation collection strategy and receive one detailed monthly collection and accounting report.

More information here…

https://www.kanjorskipartners.com/legalnetwork

Business Lending Referral Partner

Become our referral partner for helping businesses get loans in the range of $500,000 to $5,000,000

Please contact us here for more information on our referral program:

https://www.kanjorskipartners.com/contact

Financing & Refinancing Available for Small Cap Companies - $1mm to $5mm of Capital - Private Credit (Merchant Bank)

Revolving Credit Facilities

Term Loans

Senior-Secured Financing

Mezzanine Financing

Interest Rates mid-teens to mid-twenties annualized (pending underwriting and position)

Flexible Terms and Traditional Loan Terms

Facilities can open within 30 days or less from application submission

New loans can sit behind SBA loans in the cap stack

$1mm to $5mm loan sizes

Inquire here: https://www.kanjorskipartners.com/business-loans

(see “Disclaimer” at the bottom of this website)

Finance or Refinance Your Consumer Debt Portfolio Purchases

Kanjorski Partners, LLC can assist consumer debt buyers and collection agencies in refinancing their purchased consumer debt portfolios and with financing for their future purchases.

Eliminate fixed monthly payment amortization and remit monthly on a gross cash flow percentage basis.

Both equity and debt financing structures are available for refinancing existing purchases or for financing new purchases.

For a FREE portfolio appraisal and a quote for financing or refinancing, contact us today to setup a consultation.

www.kanjorskipartners.com/contact

JUDGMENT ACCOUNTS - Sell your consumer debt judgment accounts

SELL YOUR CONSUMER DEBT JUDGMENT ACCOUNTS

Our consumer debt purchasing clients are seeking judgment portfolios for acquisition.

Consumer debt judgments (credit card, consumer loans, auto loans, etc).

Older judgments, dormant judgments and any size is OK.

Please contact us if you have consumer debt judgment portfolios for sale.

https://www.bernarskypartners.com/contact

Collection Law Firm Inventory & Workflow Management

Bernarsky Partners recently entered into a monthly service agreement with a collection law firm for payer identification and account scoring services of all existing and newly placed inventory.

Chance of Collection (tm), our payer identification scoring model is able to identify which defaulted, charged off or judgment accounts will pay in the future. Our collection law firm client uses the Chance of Collection (tm) model to determine which newly placed accounts go to the top of the workflow pile for their attorneys and paralegals to begin reviewing and processing.

We also reviewed all dormant judgment accounts in the law firm’s inventory to determine the most profitable course of action for post judgment remedies by identifying which judgments have the highest propensity to pay.

Here is a white paper on our Chance of Collection (tm) analytics model services

“Chance of Collection” (tm) Overview

Creditor Dormant Judgment Inventory Review and Monetization

Bernarsky Partners recently assisted a subrogation, collection and creditor rights law firm in reviewing their dormant judgment inventory. Chance of Collection (tm), our proprietary analytics model, was able to identify concentrated and specific portions of the total creditor judgment inventory out of a large pool of dormant judgments that will pay in the near future. Our Chance of Collection (tm) model also identified assets such as bank accounts, brokerage accounts, other personal property and places of employment to aid in post-judgment executions and remedies.

This dormant judgment inventory review has enabled our client, the collection law firm, to focus their resources and production time specifically on the judgment accounts that will produce maximum fee revenue and net back to their clients.

Here is a white paper on our Chance of Collection (tm) analytics model services

“Chance of Collection” (tm) Overview