Every daily debit, audited.

Yes. Helm is live at my.helmhelps.com. Sign up, connect your bank through Teller, upload one MCA contract, and the first reconciliation runs within 24 hours. Seven days free on the monthly plan to evaluate before any charge.

Yes. Most Merchant Cash Advance contracts include reconciliation clauses your lender is obligated to honor. State UCC and consumer lending statutes back that up. When the math doesn't match what your contract says, you have the right to ask for a correction. Helm doesn't give legal advice. We build the math and the letter so the conversation starts cleanly.

Then your lender is one of the honest ones. Cancel anytime, no fees. Most accounts we audit find something within the first 30 days, but a clean ledger is the best-case outcome.

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.

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.

Helm auto-detects every daily ACH pattern and groups them by lender. Multi-MCA is where the math gets complicated. Stacked advances are exactly when owners lose track of what they owe. Helm reconstructs the daily ledger for every lender so you know your real balance.

Everything on the pricing card: unlimited accounts, unlimited lenders, real-time monitoring, automatic overpayment detection, dispute letter generation, and support. No upsells, no add-ons.

Yes. Seven days free on the monthly plan. We ask for a card to start so you do not have to come back and re-enter it on day eight. Cancel any time before then and you are not charged. Otherwise the $149/month subscription begins on day eight. The lifetime plan is billed at signup and does not include a trial. It is already cheaper per month than the trial period covers.

Same product. Same features. Monthly is $149/mo, cancel anytime. Lifetime is a one-time $1,499 payment that pays for itself after about ten months and never ends. If you already know Helm is right for you, Lifetime is cheaper. If you want to try us for a month first, Monthly is the lower-commitment door.

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.