Senior Loan Consultant / Sales Specialist – MCA Debt Relief & Refinancing

Location: Brooklyn, NY (On-site)

Position Type: Full-Time

Compensation: $100,000 Base Salary + Aggressive Uncapped Commission (20% – 30%)

Our client is a dedicated debt relief and commercial lending firm committed to providing ethical, sustainable capital solutions to small and mid-sized business owners nationwide. Many growing enterprises find themselves trapped under predatory Merchant Cash Advance (MCA) agreements—burdened by stacking positions, exorbitant factor rates, and suffocating daily or weekly ACH withdrawals that restrict operational cash flow.

We provide a direct lifeline. By offering structured refinancing loans, we buy out toxic MCA positions, dramatically lower debt service payments, and replace predatory structures with transparent, sustainable repayment terms.

We are seeking a seasoned, high-volume Sales Representative / Senior Loan Consultant with direct experience in the Merchant Cash Advance, business debt settlement, or commercial loan restructuring space. This is an on-site role based out of our Brooklyn office, designed for an experienced closer who understands distressed commercial credit profiles and wants to leverage an aggressive 20% to 30% commission structure.

Core Responsibilities

• Pipeline Execution & Conversion: Manage inbound business leads and inbound interest from business owners currently burdened by single or multi-position MCA debt structures.
• Financial Analysis & Position Unwinding: Review merchant processing statements, business bank statements, debt schedules, and existing MCA contracts to assess net factor rates, daily debit strain, UCC filings, and total payoff balances.
• Solution Structuring & Consultation: Present clear, consultative debt consolidation and refinancing loan terms. Articulate how consolidated financing eliminates daily ACH chokeholds, lowers overall cost of capital, and preserves daily operating liquidity.
• Underwriting Collaboration: Partner closely with internal underwriting and risk management teams to package files accurately, expedite loan approvals, and clear funding stipulations efficiently.
• Deal Closing: Guide merchant principals through payoff negotiations, contract execution, closing conditions, and disbursement.
• Pipeline Management: Maintain meticulous records of merchant interactions, pipeline status, document collection, and projected funding dates within the CRM.

Qualifications & Experience

• Direct Industry Experience: Proven sales experience specifically within Merchant Cash Advance (MCA), alternative commercial lending, commercial loan brokerage, business debt relief, or debt settlement.
• Technical Debt Literacy: Fluent understanding of MCA terminology and mechanisms, including confession of judgments (where applicable), UCC lien priority, factor rates, effective APR, daily/weekly split payments, and buyout/payoff calculations.
• Closing Track Record: Demonstrated history of meeting or exceeding aggressive individual monthly origination and funding volume targets.
• Communication & Resilience: Exceptional phone presence and consultative negotiation skills, with the emotional intelligence and composure required to advise distressed business owners facing urgent financial pressures.
• Location: Reliable ability to work on-site out of the Brooklyn, NY office.

Compensation & Benefits

• Base Salary: $100,000 annualized base pay.
• Incentive Compensation: 20% to 30% performance commission on funded revenue, providing substantial six-figure upside.