For merchants with a merchant cash advance

Your MCA agreement already gives you the right to pay less. Most merchants never use it.

Merchant cash advance agreements are legally structured as a sale of receivables — which means most of them include a reconciliation clause: if your revenue runs below projection, you can demand your payment be trued up. Remit Verify reads your agreement, finds that clause, and shows you the number.

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Illustrative example Diagnostic complete
You may be entitled to $3,960 less per month.
What you're paying
Daily remittance$831
Monthly total$18,000
Set against$82,000/mo rev.
−22%
What your contract entitles you to
Daily remittance$648
Monthly total$14,040
Set against$64,000/mo rev.

Based on the reconciliation clause in a sample merchant agreement, reviewed against six months of actual bank activity. Your number depends entirely on your own agreement and your own revenue — this is an example of the calculation, not a quote.

The right you already have

This isn't a loophole. It's a clause your funder already agreed to.

To keep MCA agreements structured as a sale of future receivables — not a loan — most include language that ties your payment to your actual revenue.

Revenue projection at signing$82,000/mo
Fixed remittance set against it$18,000/mo
Your actual revenue, six months later$64,000/mo
What the reconciliation clause saysPayment adjusts

When your revenue comes in below the projection your remittance was set against, the reconciliation clause gives you the right to demand the difference back — as a refund of the overage, or a reduced go-forward payment.

In practice, this right is rarely used. Most merchants don't know it exists. Funder language is often written with soft, discretionary triggers. And even merchants who do notice have no template, no leverage, and no one advising them on how to invoke it correctly.

That's the gap Remit Verify closes — we read the clause, run the calculation against your real bank activity, and hand you a documented number you can act on.

01
Share your agreement
Upload your purchase agreement, or connect your bank account for a faster read on your actual revenue.
02
We find the clause
We identify your reconciliation language and calculate what your contract's own formula says you're entitled to.
03
You see the number
A documented report — the math, the clause it's based on, and the page it's from. Nothing you have to take on faith.
04
You choose how to act
Send the demand yourself with our template, or have our affiliated attorney send and negotiate it for you.
What this is — and isn't

We're not asking you to default. We're asking you to invoke a clause you already have.

Debt settlement asks a funder for a discount on a balance you owe. Remit Verify shows you what your own contract already says you owe — nothing more, nothing negotiated away.

Typical debt settlement
Asks you to stop paying to force a negotiation
Damages the funder relationship and your credit
Negotiates a discount, not an entitled amount
Remit Verify
You keep paying — you're invoking a clause, not defaulting
Grounded in your own signed agreement, not a request for mercy
The number comes from your contract's own formula
Pricing

Start free. Pay more only as you need more done for you.

Four ways to work with us, in ascending order of how much we do on your behalf.

Diagnostic
See if you have a case, and what it's worth.
Free
  • Clause identification from your agreement
  • Your estimated reconciliation gap
Get your diagnostic
Monitoring
Not a case yet? We'll watch for when you are.
$/mo connected
  • Ongoing bank-connected revenue tracking
  • Alerted the moment you qualify
Get notified
Full Advocacy
Our affiliated attorney sends and negotiates the demand.
Fee + contingency
  • Formal demand sent under a law firm letterhead
  • Negotiation and escalation if your funder stonewalls
Talk to us

Guided Self-Advocacy — a flat-fee demand package you send yourself — is also available; ask us for a quote. Pricing above is illustrative while we finalize rates with our first merchants.

Questions

Frequently asked

Yes. Reconciliation rights come from the merchant agreement you already signed — we're helping you exercise a term of your own contract, not challenging your funder's right to be paid. Where a funder's refusal raises a bigger legal question, our affiliated attorney can advise on next steps.
You keep making payments throughout — this isn't a default or a stoppage. You're asking your funder to honor a term already in your agreement, the same way you'd ask any counterparty to follow a contract you both signed.
Debt settlement negotiates a discount on what you owe. We don't negotiate anything — we calculate what your contract's own reconciliation formula says you're already entitled to, and help you collect it.
A copy of your MCA purchase agreement and roughly six months of business bank activity, either uploaded as statements or connected securely. That's enough for a free diagnostic.
A documented refusal is itself useful — it's often evidence for a stronger legal argument. If you're on Full Advocacy, that's exactly when our affiliated attorney steps in to negotiate and, if needed, escalate.
A diagnostic typically takes a few business days once we have your agreement and bank activity. Full Advocacy timelines depend on your funder's response — we'll keep you updated at every step.
Get started

Find out what your contract already owes you.

Free, no obligation, and nothing about your relationship with your funder has to change while we look.

We'll respond within one business day. Your information is used only to review your case and is never sold.

Request received.

We've got it — here's what happens from here.

  • 1We review your agreement and bank activity.
  • 2You'll hear from us within one business day.
  • 3If you qualify, we walk you through your full diagnostic report — exactly what your contract entitles you to, and why.

Curious what that report looks like? See a sample diagnostic report.