HarborTech Marine Services had built a strong reputation along the coast for his dependable maintenance and repair work on commercial vessels. But when seasonal slowdowns hit and parts costs rose unexpectedly, he took a Merchant Cash Advance (MCA) to stabilize his cash flow and keep projects moving.  

What seemed like a practical solution soon became a heavy burden. The weekly payments of $462.50 left him with little flexibility to cover fuel, crew wages, and new contracts. Despite having steady work, the financial pressure made it nearly impossible for Ethan to plan ahead or grow his business.  

When the owner Ethan reached out to us, our debt relief specialists immediately stepped in to review his MCA terms and negotiate with his creditors. After careful discussions, we successfully restructured his repayment plan, maintaining his balance of $12,272 but reducing his weekly payments to just $275, all conveniently managed by FCDS.  

This new arrangement gave Ethan the freedom to reinvest in his operations and take on larger projects without the stress of unsustainable payments. Today, HarborTech Marine Services is thriving once again, expanding its client base and sailing toward long-term financial stability. Ethan’s success proves that with the right support and negotiation, even businesses facing rough financial waters can find smooth sailing ahead.