Stefan Bernarsky
Business Turnaround Planning

A Business Turnaround Plan is not a suggestion; it's a brutal, immediate action to halt the bleeding, stabilize the cash position, and force profitability back into the ledger. 

This process is a high-stakes financial war fought on three fronts: aggressive cash flow correction, ruthless balance sheet restructuring, and a total overhaul of the profit and loss statement. 

You must abandon sentimentality, embrace radical change, and execute with an almost militaristic discipline to extract the business from its current downward spiral and forge a sustainable, profitable entity.

Business Turnaround Planning
Stefan Bernarsky
Fixing Business Mistakes with Financial and ...

Every successful entrepreneur can point to moments where they took a wrong turn—a bad hiring decision, a poorly timed product launch, or, most commonly, a critical error in business financing or operations.

Mistakes aren't the end; they are data points.

The difference between a business that thrives and one that folds often comes down to its ability to recognize these errors quickly, own them, and implement structured solutions.

This article will walk you through common pitfalls, especially in the crucial areas of financing and your balance sheet, and outline the strategies and team you need to move from correction to sustained growth. It requires a resilient mindset and a commitment to rigorous, data-driven cleanup.

Fixing Business Mistakes with Financial and Operational Resilience
Stefan Bernarsky
Business Growth Eaten Alive by Misaligned ...

This isn't about a lack of success; it's about the business financial systems you rely on failing to keep up with your growth. You find yourself in a constant battle with expensive, short-term debt that eats away at your business cash flow, making every new milestone feel like a race to stand still.

The cycle is relentless: a need for capital, a quick loan at a high rate, a drag on your cash flow, and then another expensive renewal just to stay afloat.

You know there has to be a better way, but every solution presented to you seems to perpetuate the very problem you’re trying to solve. The reason is simple and profound: you're not working with a true financial partner.

You're dealing with transactional brokers who are incentivized to close a deal, not to build a strategic financial foundation for your business.

This article is a look into the hidden costs of a misaligned business financial strategy and a guide to breaking free from the business debt cycle. We'll explore why your current approach is undermining your growth and how shifting to a strategic partnership with a business finance advisor can fundamentally transform your business.

Business Growth Eaten Alive by Misaligned Financial Strategy
Stefan Bernarsky
Bad Business Financing Advice

You're already the CEO, the head of sales, and the entire customer service department. When it comes to finding small business financing, the last thing you need is another headache—especially one caused by bad advice.

Capital is the fuel for business growth, yet navigating the world of business loans and investments can feel like a minefield of conflicting information. So, how do you sort the genuine opportunities from the dangerous pitfalls?

This article cuts straight to the core by revealing the most common and costly financing myths that sabotage business owners, giving you a clear, confident path to securing the right funding.

Bad Business Financing Advice
Stefan Bernarsky
From Business Distress to Stability

Let’s move beyond a simple identification of symptoms to provide a complete, actionable roadmap for recovery, stabilization, and long-term resilience.

The objective is not merely to help a business survive, but to provide the tools and understanding necessary to transform it into a stronger, more agile enterprise capable of withstanding future market shocks and thriving.

The central thesis of this article is that financial distress, including the dangerous trajectory of a business debt spiral, is rarely a standalone issue. Instead, it is a symptom of deeper, interconnected challenges, from poor financial management and a lack of strategic planning to operational inefficiencies and an absence of proactive controls.

The path back to financial health is multifaceted, requiring both immediate, decisive action to stabilize liquidity and a fundamental, ongoing commitment to institutionalizing financial discipline.

This report will demonstrate that with the right tools—from mastering the cash flow statement to engaging in honest dialogue with creditors—a business can arrest a negative trajectory, restructure its debt, and build a new, more robust foundation for the future.

The journey from distress to resilience is a process of disciplined financial management, not a single quick fix.

From Business Distress to Stability

Steps to Refinance & Consolidate Business Debt + Merchant Cash Advance (MCA) Loans into One Payment

Steps to Refinance & Consolidate Business Debt + Merchant Cash Advance (MCA) Loans into One Payment

6 Easy Steps to Refinance & Consolidate Business Debt + Merchant Cash Advance (MCA) Loans:

1. Submit a Quick Qualifier (1 minute or less)

2. Complete Application and Upload Supporting Documents (5 to 10-minutes or less)

3. Receive Determination (1 to 2-business days)

4. Create Credit Package with our underwriting team for presentation to our inventors

5. OPTION 1: Short-term Refinance for “MCA Relief” (3 to 5-business days to close; 12 to 18-
month term); [18% to 28% APR or 1.18 to 1.28x factor over 12 to 18-months]

6. OPTION 2: Long-term Full Refinance of all Business Debt + MCAs (3 to 4-weeks to close; 24 to
60-month term loan with one monthly payment); [14% to 19% APR + closing & legal fees on a 24 to 60-month term]

Why Refinance and Consolidate Business Debt?

Why Refinance and Consolidate Business Debt?

Benefits of Refinancing & Consolidating Business Debt + Merchant Cash Advance (MCA) loans include:

  1. One monthly payment

  2. Fixed interest rate

  3. One lender

  4. Flexible terms

  5. Working capital

Debt Refinancing consolidation is the process of replacing multiple loans with one single loan. This reduces the number of creditors you are paying by consolidating your debts into one payment through a single lender.

1-Minute or Less Qualification for Business Debt & Merchant Cash Advance (MCA) Refinancing

1-Minute or Less Qualification for Business Debt & Merchant Cash Advance (MCA) Refinancing

1-Minute or Less Qualification for Business Debt & Merchant Cash Advance (MCA) Refinancing

Payoff all Business Debt & Merchant Cash Advance MCA debt to a term loan

  • One monthly payment on a 24 to 60-month term loan

  • All business debt paid off to a $0 balance at closing

  • Interest rates 14% to 18% (plus closing costs, PIK and legal fees)

  • Short-term Refinance (12 to 18-month term loan) can close in 3 to 5-business days

  • Long-term Refinance (24 to 60-month term loan) can close in 3 to 4-weeks

  • Working capital is available at closing in Refinance consolidation transactions

  • A new, on-going relationship with a Capital Partner (not just a one-time transaction)

  • Interest-only for 6 to 9-months after closing is available

Reconcile your Merchant Cash Advance MCA contract and payments

Reconcile your Merchant Cash Advance MCA contract and payments

Reconcile your Merchant Cash Advance MCA contract and payments

HAVE YOU RECONCILED YOUR PAST AND FUTURE MCA CONTRACT PAYMENTS?

  • Over payments on your MCA contract(s) may be present right now.

  • Your business may be owed over payment credits or refunds.

  • YOU MAY BE OWED MONEY FROM MERCHANT CASH ADVANCE MCA COMPANIES!

Stop taking MCAs.

Stop taking MCAs.

STOP TAKING MERCHANT CASH ADVANCE (MCA)!

  • MCA-taking allows MCA companies to steal your top-line sales.

  • When you take an MCA, the “factor” rate that you pay is directly related to the amount of top line sales that you are giving away.

  • $100,000 MCA at 1.38x “factor rate” is the SAME AS IMMEDIATELY GIVING AWAY $38,000.

  • That is why you don’t have enough cash flow.

  • That is why you cannot afford the daily or weekly payments.

DEAL TABLE: $1,370,000 IN MCA LOANS REFINANCED & PAID OFF + $750,000 IN WORKING CAPITAL

DEAL TABLE: $1,370,000 IN MCA LOANS REFINANCED & PAID OFF + $750,000 IN WORKING CAPITAL

DEAL TABLE: $1,370,000 IN MCA LOANS PAID OFF TO A SHORT-TERM (18-MONTH) “MCA RELIEF” REFINANCE + $750,000 IN WORKING CAPITAL

SaaS and I.T. Cloud Services Company with Merchant Cash Advance MCA loans and other high-interest, short-term debt totaling ~$1,370,000.

The Company was paying ~$197,072 Total in monthly payments to MCA companies and short-term debt providers.

At closing, all MCAs were paid off for a discounted amount and zero-balance letters (ZBLs) were issued to the Company from the MCA loan companies.

The Company’s new TOTAL monthly payment is now $79,500 (payment reduction of over 60%, down from $197,072), and company was given $750,000 of working capital at closing.

HOW DO MERCHANT CASH ADVANCE (“MCA”) LOANS DESTROY GOOD, PROFITABLE SMALL BUSINESSES?

HOW DO MERCHANT CASH ADVANCE (“MCA”) LOANS DESTROY GOOD, PROFITABLE SMALL BUSINESSES?

HOW DO MERCHANT CASH ADVANCE (“MCA”) LOANS DESTROY GOOD, PROFITABLE SMALL BUSINESSES?

Cost of Capital

It’s is extremely important to understand the true Cost of Capital when you are considering taking on any type of business debt financing.

This is the #1 reason that MCA loans destroy good, profitable businesses since MCA loan’s Cost of Capital is extremely high compared to all other business debt financing options.

DEAL TABLE: $500,000 IN MCA LOANS PAID OFF + $100,000 IN WORKING CAPITAL

DEAL TABLE: $500,000 IN MCA LOANS PAID OFF + $100,000 IN WORKING CAPITAL

DEAL TABLE: $500,000 IN MCA LOANS PAID OFF TO A SHORT-TERM (18-MONTH) MCA RELIEF REFINANCE + $100,000 IN WORKING CAPITAL

Real Estate Management Company with Merchant Cash Advance MCA loans and other high-interest, short-term debt totaling ~$500,000.

The Company was paying ~$134,972 total monthly payments to MCA companies and short-term debt providers.

At closing, all MCAs were paid off for a discounted amount and zero-balance letters (ZBLs) were issued to the Company from the MCA loan companies.

The Company’s new total monthly payment is now $64,000 (payment reduction of over 52%, down from $134,972), and company was given $100,000 of working capital at closing.

DEAL TABLE: $900,000 IN MCA LOANS PAID OFF TO A LONG-TERM LOAN + $500,000 IN WORKING CAPITAL

DEAL TABLE: $900,000 IN MCA LOANS PAID OFF TO A LONG-TERM LOAN + $500,000 IN WORKING CAPITAL

DEAL TABLE: $900,000 IN MCA LOANS PAID OFF TO A LONG-TERM LOAN + $500,000 IN WORKING CAPITAL

General Contractor and Builder with Merchant Cash Advance MCA loans and other high-interest, short-term debt totaling $900,000.

The Company was paying $123,842 total monthly payments to MCA companies and short-term debt providers.

At closing, all MCAs were paid off for a discounted amount and zero-balance letters (ZBLs) were issued to the Company from the MCA loan companies.

The Company’s new total monthly payment is now $48,612 (payment reduction of over 60%, down from $123,842), and they were given $500,000 of working capital at closing.

How Merchant Cash Advance MCA Loan Refinancing and Consolidation Works

How Merchant Cash Advance MCA Loan Refinancing and Consolidation Works

Merchant Cash Advance MCA refinance and consolidation pays off all your MCAs to a zero balance and stretched your business debt over a longer period, therefore lowering your total monthly debt payments by 50% to 90%+.

We always prefer to hear more details of your business financing situation and goals, now and in the future, prior to making specific recommendations. Please book a consultation call here —>

Kanjorski Partners LLC’s consultants and advisors are equipped to handle most any MCA stressed and/or distressed situations.

Generally we have two types of MCA refinance programs and processes:

1) Short-term MCA Relief (Payoff and Consolidation to a Longer Term)

  • 3 to 5-business-day process (app to closing) for MCA payment relief and working capital

  • MCAs paid off to a zero balance at closing and UCC removed

  • Cost of capital ranges from 18% to 28% (pending underwriting risk assessment)

  • Weekly or Bi-weekly payment options (determined in underwriting)

  • 12 to 18-month term (pending underwriting)

  • Reduce your total monthly debt service payments by 50% to 60%

2) Long-term Full Refinance (Payoff and Refinance all business debt to a Longer Term)

  • Full refinance and payoff of all business debt (will leave a bank, SBA or AR factoring relationship in place)

  • 3 to 4-week process (app to closing) for a full refinance (recap) of all business debt

  • Working capital provided at closing (determined in underwriting)

  • One monthly payment

  • 2 to 3-year term (and in some cases and industries, 5 to 7-year+ or longer)

  • SBIC, private equity and investment banking is also available for special situations

  • MCAs paid off to a zero balance at closing and UCC removed

  • Cost of capital ranges from 12% to 18% (pending underwriting)

  • Monthly payment is principal and interest

  • Interest only (IO) “relief” period for 6 to 9-months after closing

  • Reduce your total monthly debt service payments by 60% to 90%

Merchant Cash Advance (MCA) Refinancing and Restructuring

Merchant Cash Advance (MCA) Refinancing and Restructuring

SHORT-TERM MCA REFINANCE —> 12 to 18-month term —> weekly and/or bi-weekly payments
—> 3-5 days application to closing —> APPLY HERE

LONG-TERM MCA REFINANCE —> 24 to 36-month term —> monthly payments
—> 2 to 3-weeks application to closing —> APPLY HERE

What happens if you default on Merchant Cash Advance (MCA) agreements?

What happens if you default on Merchant Cash Advance (MCA) agreements?

“…Defaulting (missing or stopping payments) on a Merchant Cash Advance (MCA) can potentially drain your business’ bank account, trigger aggressive collection action under Uniform Commercial Code (UCC) and civil litigation. Default under the provisions of a Merchant Cash Advance (MCA) agreement can put your business and you personally in a difficult position.

If you cannot continue to afford your Merchant Cash Advance (MCA) payments,
there are solutions for you and your business!….”

Is Merchant Cash Advance (MCA) a Good Idea?

Is Merchant Cash Advance (MCA) a Good Idea?

“….Merchant Cash Advance (MCA) is a trap for small businesses.

Easy to get into and hard to get out of Merchant Cash Advances (MCAs) should be the last resort for small business owners that need funding quickly or who may not qualify for a traditional bank loan.

Before you consider taking a Merchant Cash Advance (MCA), please seek other alternative (non-bank) financing as there are much better options out there for your business…..”

How to Get Out of Merchant Cash Advance (MCA)

How to Get Out of Merchant Cash Advance (MCA)

Ways To Stop Paying Merchant Cash Advance (MCA)
When You Cannot Afford to Pay Them

1) MERCHANT CASH ADVANCE (MCA) REFINANCE:
Refinance and payoff your Merchant Cash Advance with a new term loan or line of credit
https://www.kanjorskipartners.com/merchant-cash-advance-refinancing-consolidation

2) MERCHANT CASH ADVANCE (MCA) RESTRUCTURE:
Re-negotiate your Merchant Cash Advance agreement(s) to longer terms with lower payments that your business can manage and afford to pay back on a new weekly, bi-weekly or monthly payment schedule
https://www.kanjorskipartners.com/merchant-cash-advance-and-business-debt-restructuring-services

Continue to full post….

Read our post to hear about all of your options and to setup a
FREE consultation call for Merchant Cash Advance (MCA) Solutions…..

⚠️ CAUTION! ⚠️ Warning Signs of Problems with Merchant Cash Advance (MCA) & Other Business Debt

⚠️ CAUTION! ⚠️ Warning Signs of Problems with Merchant Cash Advance (MCA) & Other Business Debt

If you answer “YES” to any of these questions below, there are solutions and we can help!

Do you currently have more than one Merchant Cash Advance (MCA)?

Do the Merchant Cash Advance (MCA) companies get paid before you do?

Negative balance and/or frequent Not Sufficient Funds (NSFs) in your business bank account due to automated Merchant Cash Advance (MCA) ACH payments?

Have you seen a decrease in your gross sales deposits or income since taking out your Merchant Cash Advance (MCA)?

MERCHANT CASH ADVANCE SOLUTIONS:

Merchant Cash Advance (MCA) Debt Refinance-
https://www.kanjorskipartners.com/merchant-cash-advance-refinancing-consolidation

Merchant Cash Advance (MCA) Debt Restructuring-
https://www.kanjorskipartners.com/merchant-cash-advance-and-business-debt-restructuring-services

Merchant Cash Advance (MCA) Help & Information for Business Owners-
https://www.kanjorskipartners.com/merchant-cash-advance-information-and-resources-refinancing-restructuring-stop-merchant-cash-advance-lower-merchant-cash-advance-payments

Disadvantages of Merchant Cash Advance (MCA)

Disadvantages of Merchant Cash Advance (MCA)

What are the Disadvantages of Merchant Cash Advance (MCA) ?

“…Merchant Cash Advance (MCA) has many disadvantages that you should be aware of before you enter into a MCA receivables purchase agreement. Weigh these disadvantages against the potential benefits.

1. MERCHANT CASH ADVANCE (MCA) IS AN EXTREMELY EXPENSIVE FORM OF FINANCING
2. MERCHANT CASH ADVANCE (MCA) IS A SHORT-TERM FINANCING OPTION, NOT A SOLUTION
3. MERCHANT CASH ADVANCES (MCAs) DO NOT SOLVE CASH FLOW PROBLEMS
4. SELLING FUTURE SALES IN A MERCHANT CASH ADVANCE (MCA) AGREEMENT IS DANGEROUS…”

Read our full post about the “Disadvantages of Merchant Cash Advance (MCA)”

How much does your MCA Broker get paid for each advance (loan)?

How much does your MCA Broker get paid for each advance (loan)?

“…When your business financing broker is presented with an “Approval” from the Merchant Cash Advance (MCA) company, your broker chooses from a list or tier of “Offers” at each Merchant Cash Advance (MCA) company. This list of offer options contains variable commission rates and payback terms and cost to the borrower. (Ex.- $100,000 in “funding” at a 1.35x factor rate or $135,000 payback). Your “trusted, friendly broker” adds from 0.10x to 0.15x to the offer and presents it to you as: $100,000 in “funding” at a 1.50x factor rate of $150,000 payback…”

VIEW OUR POST: “Does Your Business Financing Broker Actually Help You and Your Business?” and download our full PDF report for FREE

Does Your Business Financing Broker Actually Help You and Your Business?

Does Your Business Financing Broker Actually Help You and Your Business?

“…On a $100,000 Merchant Cash Advance (MCA), a broker who sold the advance to their client (you) receives between 10% and 15% of the total amount funded. So your broker receives $10,000 to $15,000 (10% to 15% of the total “funding”) the day after you get “funded”…

Yes. That is not a typing or mathematical mistake on our end. We assure you of this. This is the reality of how grossly over-compensated your broker is for selling you a high-cost and very short-term business financing option…”

VIEW OUR POST: “Does Your Business Financing Broker Actually Help You and Your Business?” and download our full PDF report for FREE

SETUP A MEETING WITH A BUSINESS FINANCE ADVISOR
APPLY FOR BUSINESS DEBT REFINANCING

BERNARSKY ADVISORS

Business Finance & Strategy Advisors
Refinance. Restructure. Reorganize.
Help with Business Debt, Loans and Merchant Cash Advance (MCA)

1-833-460-1535