For owners carrying stacked advances

Let's level set on
what you actually owe.

Most owners we talk to are paying four lenders out of one deposit account and have never seen the real number. We build that picture first, then negotiate the balances down to something your revenue can carry.

No funding. No new advance to pay off the old ones.
We negotiate what's already on your books.

How much business debt are you carrying right now?

LevelOff true

No balance reads level. The distance is what we measure.

Debits at this level $625/day
Typical program 6–18 mo

Debit figure is an illustration based on a common repayment pace at this balance, not a quote. Your actual number depends on your positions, factor rates and remaining terms.

6–18
Months to resolution
40%
Avg. balance reduction
Unlimited
Positions we’ll negotiate
$0
Cost to review your file

How it works

Three stages, in this order.

There's no version of this where we skip step one. The plan only works if the numbers underneath it are right.

STAGE 01

The level set

You send us your advance agreements and 90 days of bank statements. We rebuild every position — balance, factor rate, debit frequency, remaining term — into one page you can actually read. Most owners find at least one number they didn't know.

30–60 minutes · no cost
STAGE 02

Enrollment and negotiation

If the file works, you enroll and we open negotiations with each funder. You get a single scheduled program payment instead of managing lenders individually. Your case manager handles funder contact from that point forward.

Begins week one
STAGE 03

Settlement and release

Positions settle one at a time as terms are reached and funded. Each one closes with written confirmation from the funder. You graduate when the last enrolled balance is resolved.

Rolling · 6–18 months

What changes

The goal is a business that can breathe again.

Where most owners start

Managing the debits

  • Four to six funders debiting the same account on different schedules
  • Balances that never seem to move because the factor rate was front-loaded
  • Taking a new advance to cover last week's advance
  • Payroll decided by whatever cleared Thursday
  • Collection calls landing on your cell during job walks
Where the program puts you

Managing the business

  • One scheduled program payment, set against real revenue
  • A negotiated balance instead of an accruing one
  • Funder communication routed to your case manager
  • A written settlement on each position as it closes
  • A defined end date instead of an open-ended cycle

Who we work with

Revenue-heavy businesses that got funded fast.

Advances are easiest to get in industries with steady deposits and thin margins — which is exactly where stacking does the most damage.

Construction & trades

GCs, electrical, HVAC, roofing — funded against receivables, squeezed by retainage.

Trucking & logistics

Owner-operators and small fleets carrying advances on top of equipment notes.

Restaurants & retail

High card volume makes for easy approvals and daily holdbacks that don't flex.

Staffing & services

Weekly payroll against net-45 invoices, bridged one advance at a time.

Auto & repair

Parts float and slow warranty pay, funded short and renewed often.

Medical & dental

Practice debt stacked behind equipment leases and insurance receivables.

Wholesale & distribution

Inventory buys funded at factor rates that outrun the sell-through.

Real estate operators

Flippers and small landlords bridging carry costs with business advances.

Start a review

Four questions. No cost.

Tell us the shape of the debt and we'll tell you honestly whether this program fits your situation — including when it doesn't.

  • We don't offer or arrange funding of any kind
  • No fee to review your file
  • Nothing is enrolled until you sign an agreement
  • Your information is not sold to lead buyers

Step 1 of 4Debt amount

How much do you owe in total?

Across every advance, loan and line — your best estimate is fine.

What kind of debt is it, mostly?

Pick the one carrying the largest balance.

What does the business gross monthly?

Deposits into the business account, before expenses.

Where should we send the review?

A person from our team follows up — no automated call blast.

By submitting, you agree that Level Set Partners may contact you by phone, email or text about your request, including at the number above. Message and data rates may apply. Consent is not a condition of enrolling in any program. Reply STOP to opt out of texts.

Got it — we have your file.

Someone from the underwriting team will reach out within one business day to request statements and walk through the review.

Questions

The ones owners actually ask.

Business debt only — merchant cash advances, business lines of credit, term loans, equipment financing and revenue-based financing. We don't work on consumer debt: no personal credit cards, mortgages, auto loans, student loans, tax debt or child support.
We don't tell anyone to stop paying anything, and nobody on our sales team is permitted to advise you on your existing payment arrangements. If you enroll, your case manager reviews your specific situation with you directly during your welcome call. Anything you decide about existing obligations is your decision to make with your own advisors.
No. Level Set Partners does not offer, broker, arrange or promise financing of any kind, and nobody here can tell you that funding is coming. If a company tells you the way out of stacked advances is one more advance, that is the problem restating itself.
Most files resolve in six to eighteen months. The range depends on how many positions are enrolled, the total balance, and how quickly each funder comes to terms. Positions settle individually as agreements are reached, so you'll see balances close throughout rather than all at once.
Reviewing your file costs nothing. If you enroll, your fee is set against the debt you enroll, spread across the program term, and disclosed in full in your agreement before you sign anything. There are no separate application, retainer or maintenance charges.
No. Level Set Partners is a business debt resolution company. We are not a law firm, we do not provide legal or tax advice, and nothing on this site is a substitute for advice from your own attorney or CPA.
Most advance agreements include a personal guarantee or a confession of judgment. Those obligations don't disappear because you enrolled — they get negotiated along with the balance where a funder is willing. We'll tell you plainly what's in your agreements during the review, including terms that limit what can be negotiated.
No, and we'd rather say so early. Files get declined when the revenue can't support a program payment, when the debt is primarily consumer, or when litigation is already too far along for negotiation to be realistic. You'll get that answer during the review, not after you've paid for something.

Start here

Find out where you actually stand.

Send us the agreements and 90 days of statements. We'll build the picture and tell you what's realistic — whether or not you enroll.

Start a free review →