David is the owner of BlueWave Marine Services. He had spent several years to build a trusted name in coastal maintenance and boat repair. When a series of unexpected payments hit, he was compelled to take out a Merchant Cash Advance (MCA) to keep his operations going.

At first, the quick funding offered temporary relief. However, the weekly payments of $1,776.65 became unmanageable. It consumed nearly all of his working capital. The constant financial strain threatened to drown his business just as the busy boating season began.

When David approached FCDS for help, our team immediately reviewed his debt structure and stepped in to negotiate with his creditors. After careful discussions, we successfully reduced his total balance from $10,653.22 to $8,124, and with a lien credit applied, the final balance came down further to $7,004. Most importantly, his weekly payment was restructured to a much more manageable $300, handled directly by FCDS.

With this new arrangement, David could finally redirect his resources toward his crew, operations, and equipment maintenance. Today, BlueWave Marine Services is back on track. Now it is serving more clients and expanding to new docks. David’s story is proof that with the right debt relief strategy and expert negotiation, even turbulent financial stress can lead to renewed success.