If your business took one advance, then another to cover the first, and the daily withdrawals are now squeezing the account you rely on, you are not alone, and you are not without options.
A merchant cash advance is not structured like a loan. There is no set monthly payment and no fixed payoff date to plan around. Instead, the funder purchases a percentage of your future receivables, often pulling directly from your bank account each business day, secured by a lien on those future receivables.
A single advance is usually manageable. The difficulty arrives when a business carries several at once. The combined daily draws can take a real share of the money needed to make payroll and keep operations running. That is the precise situation restructuring is built to address.
Archangel is not a debt-settlement mill, and the firm does not make promises it cannot keep. What April provides is a genuine legal opinion on where your business stands, covering your agreements, your liens, and your exposure, followed by a practical path forward.
Honest work, plainly described. There is no script here, only a lawyer telling you what your contracts say and what can be done about them.
Not a sales pitch. A lawyer telling you what your contracts genuinely say, and what leverage you hold.
Much of the work happens alongside funders the firm has personally vetted, confirmed to keep their collection practices fully within the law.
Aggressive or unlawful collection tactics are more common than they should be. Knowing the line, and having counsel who will hold it, changes the conversation.
The objective is a structure your daily cash flow can survive, so the business continues rather than closes.
Your current advances, balances, and recent bank statements are the starting point. That is enough to begin.
You receive a legal opinion on your position: liens, terms, and any collection conduct that crosses a legal line.
Where it fits, the firm works with vetted funders to restructure the debt. There is no pressure. You move forward only when the plan makes sense.
No. A review is a starting conversation. Its purpose is simply to give you an accurate picture of where your business stands. You decide what happens next, and you do so with a clear understanding of the options.
April reviews your existing funding agreements and provides a plain-English opinion on your position: what your liens cover, what your agreements obligate, where your exposure sits, and whether any collection conduct you have experienced crosses a legal line.
Where restructuring is the right path, the work often happens hand in hand with funders the firm has personally vetted. A central part of that vetting is confirming their collection practices are fully lawful. The firm does not work with funders known for unlawful collection conduct.
Aggressive or unlawful collection is more common than it should be. Part of the value of attorney-led review is knowing precisely where the legal line sits. If a practice has crossed it, you will have counsel who can say so and act accordingly.
Your current advance agreements, current balances, and your most recent business bank statements. That is enough for April to assess your position and begin mapping a path forward.
A restructuring review is a starting conversation, not a commitment.