Term Extensions & “Breathing Room” Grace Periods
Pause or stretch your MCA repayments to ease cash‑flow pressure
Reschedule short MCA timelines and add payment pauses when cash is tight
A term extension lengthens the repayment window on a merchant cash advance—turning a 6‑month pay‑back into 12 or 18 months—while a grace period pauses daily drafts for a set span (often 2–6 weeks). Both measures give businesses breathing room to rebuild working capital and avoid costly defaults. Lenders often agree because extended terms still protect their return while lowering your daily draw by 15–30 %.
Book a free consultation today and reclaim control of your cash flow.
Why Ignoring Tight Terms Can Backfire
Merchant cash advances feel convenient, but aggressive timelines and no pause options amplify risk. Without room to breathe, businesses often tumble into a cycle of high‑cost stacking.
What to Watch Out For
Instant Cash Crunch
Drafts arrive before payroll or inventory is funded.
Overdraft & Penalty Fees
Fixed daily pulls plus slow days equal negative balances.
Stacked Advances
New MCAs replace old ones, compounding debt.
Asset Firesales
Desperation forces liquidation of inventory or equipment.
How We Unlock Extra Time
Our 4 Step Extension Process
Here’s how we convert your MCA payments and put you back in control.
01.
Free Debt Assessment
We study contracts and sales data to show lenders a realistic pay‑back plan.
01.
Funders Are Contacted
Daily debits pause while we table an extension‑and‑grace proposal.
02.
03.
Terms Are Extended
Repayment window lengthens; optional grace period gives immediate relief.
01.
Support Continues
We finalise documents and track repayments to ensure stability.
04.
Benefits of Term Extensions & Grace Periods
Extending your MCA term—or pausing drafts with a brief grace window—shrinks each withdrawal and lets daily cash flow breathe. That extra cushion keeps you current, wards off default threats, and frees headspace to map growth instead of scrambling.
Ready for Breathing Room?
Book A Call
Term‑Extension & Grace FAQs
The five questions business owners Google most before renegotiating MCA timelines
