Merchant Rehab
A commercial firm tackling MCA, small-business loan, equipment finance, and portfolio servicing matters. We advise businesses to identify, understand and resolve the account, disputes, verified obligations from account opening though account closing.
We do one thing: resolve commercial accounts.
Merchant Rehab is a specialty firm working with big & small-business lenders, MCA funders, portfolio buyers, Debt relief, Debt settlement, Equipment finance, Invoice factoring, Brokers & Merchants. Our book is commercial. Our contact record is documented. Our goal is amicable resolution that keeps the business operating.
Commercial account work for business obligations.
Merchant Rehab is not a consumer debt collector. Our firm works with commercial files where business identity, placement source, documents, and payment history need to be understood prior to resolution.
- 01
MCA placements
Commercial merchant cash advance files are reviewed for business identity, placement source, balance, and documentation.
- 02
Small-business loans
Business loan obligations are handled with a focus on clear file details, documented contact, and practical next steps.
- 03
Equipment finance
Equipment finance matters may involve contracts, collateral context, payment history, and business records.
- 04
Portfolio servicing
Placed account portfolios require consistent documentation, reference, and careful communication.
- 05
Dispute routing
Mistaken identity, prior payments, validated balances and all other disputes reviewed.
- 06
Resolution support
Verifying the file, taking the right step, reinstatement, timing and or another documented arrangement.
Process for a commercial file.
- 01
Reviewing the file
Between Merchant, Funder, Lawyer Brokers & Banks, the balances, placement status, and documents are reviewed before approaching a resolution.
- 02
Confirming the correct party
Account verification, conversation, Face-to-face connection, business interest, Signer, Co-signer, Officer or Member etc.
- 03
Record disputes
Verified disputes and supporting documents are attached to the file for commercial review.
- 04
Resolution
Agreed terms are always specific in terms of amounts, dates, methods, closure with certainty.
If you can name it, we have been there.
Files are accepted from lenders, funders, ISO groups, and portfolio buyers nationwide. Operations, accounting & communication run out of three locations.
Before you call.
Most merchants arrive asking the same few things.
Is the notice real. Why was the file placed. How do I verify it. (For the full list, see the FAQ)
See all questionsIs Merchant Rehab a legitimate firm?
Yes. We're a specialty commercial recovery firm. Our mailing address, phone, and general inbox are all listed on this site and on any correspondence we send. If a letter or call referring to us doesn't match what's shown here, don't engage with it. Email us and we'll check.
Why did I hear from you?
An originator or portfolio holder placed your commercial account with us for resolution. The communication you received verifies the originator. If it doesn't, or the name isn't familiar, call us immediately. It could be a portfolio transfer you weren't told about, or it could be a misrouted file. Either way, we'll work it out for you.
How do I verify that a letter or call is really from you?
Excellent question. Check these three: the phone number, the mailing address, and the sending email domain. All three should match what's shown on this page and on our Contact page. Our domain is merchantrehab.com. If an email arrives from a lookalike domain (extra letters, different TLD), it isn't from us.
Can I set up a payment plan?
Usually, yes. Structured plans are common. Which method depends on you, the file, the originator's parameters, and your current cash flow. Call us with a rough picture and we'll put a realistic plan in writing.
