Recovered
$18,400
"I thought I was behind on payments. Turns out FundCo had pulled $18,400 more than the contract allowed. Helm had the paperwork ready in 40 minutes."
— R. Warburton, Owner
◆ MCA Defense
Every daily debit, audited.
Helm watches every daily Merchant Cash Advance debit and flags the moment you're overpaying.
Bank-level encryption Teller-connected · Credit card required to start
Transaction Ledger LIVE
APR 18 ACH DEBIT — FUNDCO LLC -$418.52 OVER
APR 17 ACH DEBIT — FUNDCO LLC -$418.52 OVER
APR 16 ACH DEBIT — FUNDCO LLC -$418.52 OVER
APR 15 ACH DEBIT — FUNDCO LLC -$418.52 OK
APR 14 ACH DEBIT — FUNDCO LLC -$418.52 OK
MCA Market Annual Volume
$4.2B+
and growing
Effective APR on Typical MCAs
200%+
often hidden by daily debits
Average Overpayment Recovery
$12,000
per audited business
◆ How it works
Four steps to take back control of your finances.
No spreadsheets. No lawyers. No guessing. Helm does the math, you get your money back.
01
Connect Your Bank
Securely link your business bank account via Teller. Read-only — Helm can see transactions, never move money.
Takes 90 seconds. Your credentials never touch our servers — Teller brokers a read-only connection with your bank.
02
Track Every Payment
We automatically identify every MCA payment pulled from your account.
Daily ACH debits are matched against your funding agreements. No more scrolling through statements trying to count.
03
Detect Overpayments
We calculate what you actually owe vs. what's been pulled. Overpayments are flagged immediately.
The math accounts for factor rate, holdback %, partial payments, and reconciliation clauses. If you're owed money, we'll show you exactly how much.
04
Fight Back
Generate state-specific reconciliation and dispute letters, ready to send.
Pre-formatted, legally sound, and calibrated to your state's UCC and consumer lending statutes. Download as PDF or send directly.
◆ Case files
Real businesses. Real money back.
Names shared with permission. Numbers pulled directly from Helm's audit ledger.
Recovered
$9,200
"The lender stacked a second MCA on top without reconciling the first. My bookkeeper missed it. Helm caught it on day one."
— M. Reyes, Owner
Recovered
$31,700
"Three MCAs, two lenders, daily pulls. I had no idea what I actually owed until Helm put it on one screen."
— A. Kestrel, CFO
◆ Pricing
Simple, transparent pricing.
One flat plan. Cancel anytime. No contracts — because you've had enough of those.
Helm — Monthly SKU: HELM-149
Subtotal / mo $149.00
- Unlimited bank account trackingINCL.
- Automatic MCA payment detectionINCL.
- Daily overpayment alertsINCL.
- Real-time reconciliation mathINCL.
- State-specific dispute letter generationINCL.
- Factor rate & holdback analysisINCL.
- Stacked MCA detectionINCL.
- Export to CSV, QuickBooks, XeroINCL.
- Email & chat supportINCL.
Add-on
One-time purchases
When you need more escalation.
Full Case File
Everything a lawyer needs to take it further.
$249
Expedited Review
Human analyst reviews your ledger within 24 hours.
$99
Multi-MCA Reconciliation
When you're juggling 3+ lenders simultaneously.
$179
Available after subscription signup.
◆ Questions
Things owners actually ask us.
Still have something on your mind? Email support@helmhelps.com.
Is this legal? Can I really challenge my MCA?
Yes. Merchant Cash Advances are governed by state UCC and consumer lending statutes. When a lender overcharges — through miscalculated holdbacks, stacked advances, or reconciliation clauses — you have the right to dispute and recover. Helm doesn't give legal advice, but we build the evidence package your attorney (or you, pro se) needs to act.
What happens if Helm doesn't find any overpayments?
Then you get peace of mind — and you can cancel anytime with no fees. Most accounts we audit find something within the first 30 days, but a clean ledger is the best-case outcome.
How safe is connecting my bank account?
We use Teller — a read-only bank connection provider built for financial apps. We receive transaction data only. We cannot move money, initiate transfers, or modify anything in your account. Your credentials never touch our servers.
Do I need a lawyer to use the dispute letters?
Not for a first-pass reconciliation demand. Our letters cite the relevant statute and present the math. Most lenders respond within 14 days. If it escalates, your Helm case file is formatted to hand directly to counsel.
What if I have multiple MCAs from different lenders?
Helm auto-detects every daily ACH pattern and groups them by lender. Multi-MCA is where we shine — the math gets much harder with stacked advances, and that's exactly when owners lose track of what they owe.
What's included in the $149 / month?
Everything on the pricing card: unlimited accounts, unlimited lenders, real-time monitoring, automatic overpayment detection, dispute letter generation, and support. One-time add-ons (full case files, expedited review) are optional.
How long until I see results?
Overpayment detection begins within 24 hours of connecting your bank. The typical timeline from signup to first recovered dollar is 3–6 weeks, depending on lender responsiveness.
Ready to fight back?
Connect your bank in 90 seconds. Cancel anytime.