Rachel is the owner of Silk and Cotton Boutique. She had built her retail store with curated fashion and personal touch. But when sales slowed during the off-season and inventory costs continued to climb, she took a Merchant Cash Advance (MCA) for quick working capital.

What started out as a temporary solution soon became her biggest problem. The weekly payments of $1,671 drained her profit, so restocking and paying for operations became a challenge. The regular pressure to make the payments was taking its toll on her team and her confidence.

Determined to save her business, Rachel called for our help. Our experts took a closer look at her debt terms and negotiated with her creditors directly. By the end of the negotiation, we were able to reduce her total balance from $42,482.50 to $38,500 and set up her payments in a way that she can easily afford, starting with $370.30 and followed by affordable monthly payments of $1,652.80, managed by FCDS.

The new structure afforded Rachel some breathing room with predictability in cash flow. She restored financial stability. She was finally able to refocus on product curation, marketing, and customer experience. Today, Silk and Cotton Boutique is flourishing, proving that with the right debt relief plan and professional advice, even retailers facing heavy financial burdens are able to find a way back to success.