Bank statements examined & evaluated
Lender agreements reviewed & analyzed
Repayment plans created
Businesses served
Fincopia is the Stronger & Smarter MCA Ecosystem for Merchants & Funders
Smart Restructuring
Affordable, cash flow-based repayment plans across all positions.
No More Third-Party Negotiator
Fincopia eliminates the need for costly debt settlement companies, sketchy advice, or aggressive legal battles.
One Simple Platform
Manage everything from one dashboard, from assessment to repayment.
Reduce Default Risks
Work with merchants to ensure timely and realistic repayments.
Strengthen Relationships
Merchants no longer need to run. With Fincopia, they work with you—transparently and efficiently.
Streamlined Process
Fincopia’s platform makes negotiation and debt restructuring faster and easier for all parties involved.
Take control of your financial furture
Cash Flow Improvement Tools
Easily track, manage cash flow to meet your short term and long term payment obligations.
Custom Payment Plans
Create repayment strategies tailored to your cash flow.
Risk Management
Access real-time insights and performance analytic
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Manage finance for your business
Monitor Cash Flow
This involves staying on top of accounts receivable, accounts payable, and other key financial metrics.
Diversify Funding Sources
Relying on a single source of funding can expose your business to risks.
Build a Financial Cushion
Unforeseen circumstances can impact your business at any time.
Funders we work with
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Your burning question, answered
What is business financial optimization?
Business Financial Optimization is the strategic process of improving a company’s financial health by enhancing cash flow, reducing costs, and restructuring debt for sustainable growth.
How long does the restructuring process take?
The timeline varies depending on the complexity of your debt situation and the negotiation process, but our streamlined platform ensures a quicker resolution than traditional methods.
Do I have to stop making payments during restructuring?
No. Fincopia encourages maintaining regular payments while restructuring discussions are ongoing to demonstrate good faith to Funders.
Does this work for every business?
All funders have their own guidelines regarding the restructuring or modification of terms and conditions of an agreement. Fincopia serves as an intermediary for merchants and lenders.