You can quote the daily debit. You can quote the factor rate. Ask what you actually owe today, after eight months of $850 pulls and a couple of double-debit weeks that nobody told you about, and the number gets vague. The contract said paid-up in six months. It has been ten. The lender has not sent a payoff statement. You have a feeling, and the feeling is uncertain.
The number exists. It is sitting in your bank statements. Pulling it out by hand takes a weekend and a willingness to argue with arithmetic. Helm exists because nobody should have to, and the first week is free.
The math is small. The bookkeeping is not.
Your real MCA balance is one subtraction. The total owed (the advance amount times the factor rate) minus everything you have actually paid. A $40,000 advance at 1.40 factor owes back $56,000. Sum every ACH the lender pulled. Subtract. That is it.
The subtraction is easy. The "sum every ACH" line is where most owners stop. The pulls do not come on a clean schedule. Some lenders run a morning ACH and an afternoon top-up that looks like a separate transaction. Some merge with your processor's reserve. Some get returned for NSF and re-tried the next day under a slightly different memo. After three months of this, the lender's own collection system is the only place the running total is being calculated, and they are not in the business of sharing it.
This is the problem Helm was built to fix.
What we built
Connect your business bank through Teller. The connection is read-only. Helm can see transactions and nothing else. The minute the data is in, every daily debit pattern gets identified, grouped by lender, and reconciled against the agreement. If you have uploaded the MCA contract, the factor rate, daily amount, and original advance are extracted automatically. If you have not, you enter three numbers.
From that point on, the running balance updates every time a new transaction lands. Overpayments past the agreed factor get flagged the day they happen, not the month they happen. The reconciliation request letter, the one most owners never send because the math felt too uncertain, is generated from the actual numbers, ready to go to certified mail with the bank statements attached.
The product is the arithmetic being done continuously instead of monthly, and the documentation being produced from the arithmetic instead of from a template. A lender who is being asked to confirm a balance with the math attached behaves differently than a lender being asked because the owner is worried.
How we know it works
Before we shipped, we ran the same audit on the founder's own company. The math found $2,082 in over-debits past the contract amount. That recovery is the bug that became the product.
Who it's for
Helm is for the operator who took an MCA, usually daily debit, usually factor rate above 1.3, and now has the suspicion, founded or not, that they do not know what they actually owe. It is not for pre-MCA loan shopping. It is not for enterprise debt advisors. It is not for attorneys looking for case management software. It is for the owner who is currently inside an MCA and wants the receipts.
The bank connection is the gate. If your bank is not on Teller's institution list, the manual statement upload path works, but the automatic part requires the connection.
What is open today
Sign up at my.helmhelps.com. Seven days free, no questions. Connect your bank. Upload one MCA contract, or enter the three numbers if you do not have the PDF. Within 24 hours, the first reconciliation runs and you see the real balance for the first time.
If you already know Helm is for you, the lifetime plan is $1,499 and pays for itself in about ten months. Otherwise the monthly plan is $149 with the free first week.
If that number is bigger than the one you have been carrying in your head, you are not unusual. The rest of the product is what to do about it.