MCA Debt Help in Jersey City & Hudson County, NJ

Local MCA debt help in Jersey City.

If your business is in Jersey City or anywhere in Hudson County and merchant cash advance payments are squeezing your cash flow, you can sit down with us in person. We're at 30 Montgomery Street, Suite 400, open Monday to Friday, 9am to 6pm, and we work on a flat fee with no stake in what you decide.

A local advisor, not a call center

Most MCA "relief" companies are national call centers. We're a Jersey City firm, and Hudson County owners can bring their contracts and bank statements to our office, go through them line by line with us, and leave with a written plan. That's useful when you're dealing with several funders at once and need someone to see the whole picture.

We work with businesses throughout Hudson County, including Jersey City, Hoboken, Bayonne, Union City, West New York, North Bergen, Secaucus, Weehawken, Kearny and Harrison, and with owners across northern New Jersey.

Who we help in Hudson County

Restaurants and bars with card-split or daily-ACH advances. See how split-funding MCAs work.
Retail shops on busy corridors facing seasonal swings. See our retail page.
Contractors and trades waiting on progress payments. See our construction page.
Trucking and logistics firms near the port and warehouse districts. See our trucking page.
Medical, dental and professional practices with reimbursement or invoice lag. See our healthcare page.

New Jersey law works in your favor on one key point

New Jersey bans confession-of-judgment clauses in business financing, including cash advances, for New Jersey businesses. So a funder generally can't get a judgment against your Jersey City business without filing a lawsuit. Usury limits and pending disclosure bills are covered on our New Jersey MCA page.

What a first meeting looks like

Before: bring your MCA agreements, three to six months of business bank statements, and any payoff letters, offers or court papers.

During: we total what each funder has collected and is still owed, check reconciliation rights and liens, and map the realistic options, from renegotiation and reconciliation to refinancing, settlement through a licensed provider, or attorney review.

After: you get a written plan. You can carry it out yourself, with your own advisors, or with us.

Visit us

Renaissance Capital Advisors, 30 Montgomery St Suite 400, Jersey City, NJ 07302. Monday–Friday, 9am–6pm, by appointment. Call (877) 204-2477 or see directions and a map. Not local? We also work with owners in every state.

Frequently asked questions

Can I meet with you in person in Jersey City?

Yes. Our office is at 30 Montgomery Street, Suite 400, in downtown Jersey City. We're open Monday to Friday, 9am to 6pm, and in-person meetings are by appointment. Call (877) 204-2477 or request a consultation online.

How do I get to your office?

We're a short walk from the Exchange Place PATH station and the Hudson-Bergen Light Rail, which makes the office easy to reach from Hoboken, Bayonne, Newark and Lower Manhattan.

Do you only work with Hudson County businesses?

No. Jersey City is our home base, but we work with business owners across New Jersey and nationwide by phone and video.

What should I bring to a first meeting?

Your MCA agreements, the last three to six months of business bank statements, and any payoff letters, settlement offers or court papers you've received.

Are you a debt settlement company?

No. We are a flat-fee advisory firm. We don't lend, broker or take a percentage of any settlement, and when you need an attorney or licensed provider, we help you choose one.

Renaissance Capital Advisors provides strategic consulting services only. We are not licensed attorneys, CPAs, or financial advisors, and we are not a debt settlement company. Nothing on this page constitutes legal, tax, accounting, or financial advice. Consult a licensed professional before making binding decisions.