DebtMedx

What is your MCA really costing you?

Upload your agreements. In about a minute, see what you owe, your real cost, and the terms that can hurt you.

  • MCAs, reverse consolidations and loans
  • Up to 6 contracts at once
  • Free and confidential
Drop your agreements here PDFs or photos. Tap to choose.

    No contract handy? Get a quick estimate ·

    How it works

    1. UploadAdd one or more MCA agreements. PDFs or phone photos both work.
    2. We read the fine printPayback, fees, payment schedule and 12 key terms.
    3. See your real numbersWhat you still owe today, your payoff date, and the yearly cost (APR) of the money.

    What we check in every contract

    ReconciliationWhether your payment must adjust when your sales drop.
    Personal guaranteeWhether you're personally on the hook.
    Confession of judgmentWhether the funder can get a judgment without a lawsuit.
    Processor and bank changesWhether switching counts as a default.
    Stacking and cross-defaultHow other advances affect this one.
    Default feesWhat gets added if you fall behind.

    Questions

    Is this really free?

    Yes. Checking your contracts costs nothing. If you'd like help exploring options afterward, you can ask for a free review.

    Who sees my contracts?

    Your contract is read by our AI to build your report. DebtMedx only receives your report and documents if you choose to unlock your full report and share your information. We keep them confidential and never sell your information. See our privacy policy.

    How accurate is the APR?

    It's an estimate based on the dates and amounts in your contract, assuming payments continue as scheduled. Merchant cash advances often have no fixed term, so treat it as a guide.

    What's a reverse consolidation?

    An advance where the funder pays you in weekly installments, often to cover other advances, while you make payments back. We show both sides of the schedule.

    Is this legal advice?

    No. It's an educational review. For legal questions about your agreement, talk to a licensed attorney.

    Speak with an expert

    Are you behind or juggling several advances?

    Quick estimate

    No contract needed. Add each advance you're paying on.