
First Choice Debt Solutions targets businesses and blue-collar workers to mitigate long outstanding debt and other MCA Debts while protecting your credit score, ensuring your business continues to run smoothly.


Titan Guard Services, a private security company, was facing extreme financial pressure due to a heavy weekly repayment schedule. Although the business was operating steadily, paying $7,500 every week made it almost impossible to maintain proper cash flow.

WellSpring Health Care Solutions started its practice with a mission to bring affordable and accessible care for the well being of the larger community. Dr. Karen is the owner of this company. As demand for her services grew, she needed quick funding to bridge the gap between covering new medical equipment and operational costs, she took a Merchant Cash Advance (MCA).

NextStep Business Services had built a solid reputation to help small companies with administrative and back-office support. The business owner Julia was growing steadily until unexpected expenses hit and she took quick funding through a Merchant Cash Advance (MCA).

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.

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.

Isabella is the owner of Harvest Table Café. She had always put her heart into serving wholesome meals to her community. Her business was steady but the food prices surged and a kitchen renovation ran over budget, she took a Merchant Cash Advance to manage the shortfall.

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.

Samantha was the owner of Polaris Home Solutions, a small service business offering home maintenance and cleaning solutions to busy families. Her commitment to quality work had gained her loyal clients, but when unexpected equipment repairs, along with rising supplier costs, hit all at once, she turned to an MCA as a means of staying afloat.

Mark, the owner of The Rustic Fork, had always dreamt of opening a restaurant where families could come in and enjoy great food with equally great company. But with growth comes increased expenses. He was struggling to fulfill those expenses, so he took an MCA.

A family-owned retail establishment, Willow Mart, was continuously straining its cash flow and operations.

Case study overview of construction supply business that was struggling to stay afloat.

Case study overview of Abert Refrigeration Service
| Client Industry | Old Balance | New Balance | Original Payment | New Payment | Type of Case | Who Makes Payment |
|---|---|---|---|---|---|---|
| Construction | $12,575 | $11,275 | $531 / week | $135 / week | MCA | FCDS |
| Transportation | $5,362 | $4,000 | $670 / week | $237 / week | MCA | Client |
| Retail | $65,232 | $62,565 | $812 / week | $390 / week | MCA | FCDS |
| Manufacturing | $20,482 | $15,000 | $612 / week | $400 / week | MCA | FCDS |
| Service | $21,600 | $21,400 | $15,000 / week | 4 wks @ $350 → 4 wks @ $500 → $750 / week | MCA | FCDS |
| Retail | $35,942.80 | $28,000 | $972 / week | $565 / week | Lawsuit | FCDS |
| Professional Services | $26,263.05 | $11,618.10 | $2,366.70 / week | $300 / week | MCA | FCDS |
| Retail | $9,146.75 | $7,200 | $1,295 / week | $300 / week | MCA | FCDS |
| Services (SPPC/Lendini) | $13,000 | $11,000 | $350 / week | $175 / week (4 weeks) | MCA | Client |
| Roofing | $104,125 | $90,000 | $3,150 / week | $850 / week | Lawsuit | FCDS |
| Painting Contractor | $80,980.71 | $80,980.71 | $2,500 / week | $1,000 (6 months) → $2,200 / week afterward | MCA | Client |
| Services | $5,000 | $3,621.15 | $355 / week | $125 / week | MCA | Client |
| Restaurant | $19,572 | $19,000 | $1,230 / week | $321.72 / week | MCA | FCDS |
| Services | $4,442.93 | 4000 | $493 / week | $268.03 / week | MCA | Client |
| Marine Services | $10,653.22 | $8,124 → $7,004 after lien credit | $1,776.65 / week | $300 / week | Lawsuit | FCDS |
| Restaurant | $6,510 | $5,000 | $715 / week | $145 / week | Lawsuit | Client |
| Retail | $42,482.50 | $38,500 | $1,671 / week | $370.30 on 9/29 → $1,652.80 monthly (starting 10/25) | MCA | FCDS |
| Security | $20,000 | $20,000 | $7,500 / week | $200 / week | MCA | Client |
| Services | $15,683.45 | $14,000 | $1,554.35 / week | $318.18 / week | MCA | FCDS |
| Health Care Solutions | $3,271.66 | $2,700 | $298 / day | $1,000 due 9/30 → $1,000 due 10/5 → $700 due 10/12 | MCA | FCDS |
| Marine Services | $12,272 | $10,000 | $462.50 / week | $275 / week | MCA | FCDS |
| Services | $24,000 | $21,000 | $499.67 / week | $250 / week | Lawsuit | Client |
| Services | $24,000 | $22,000 | $1,510.85 / week | $300 / week | Lawsuit | Client |
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