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Merchant Cash Advance Relief
Merchant Cash Advance Relief
MCAs deliver fast cash—but with daily or weekly remits and effective APRs often between 60–350%. Miss a payment and you may face UCC liens, COJs, and account freezes. Our job is to stabilize, negotiate, and resolve.
MCAs deliver fast cash—but with daily or weekly remits and effective APRs often between 60–350%. Miss a payment and you may face UCC liens, COJs, and account freezes. Our job is to stabilize, negotiate, and resolve.
The Merchant Cash Advance Trap
The Merchant Cash Advance Trap
A Merchant Cash Advance (MCA) is legally a purchase of future receivables, not a loan. You receive a lump sum in exchange for a percentage of future sales or fixed daily/weekly payments.
The Problem: Effective APRs commonly range from 60% to over 350%, making them extremely difficult to pay off. Unlike traditional loans, MCAs often have:
Personal guarantees from business owners
UCC liens on all business assets
Confession of Judgment (COJ) clauses
Cross-default provisions with other debts
Automatic daily/weekly bank debits
Common MCA Consequences
Common MCA Consequences
UCC liens on business assets
Confession of Judgment (COJ) enforcement
Bank account levies and freezes
Personal guaranty enforcement
Daily/weekly automatic debits
Typical MCA Resolution Outcomes
Typical MCA Resolution Outcomes
Historical ranges seen in successful negotiations (no guarantees provided)
40-70%
Debt reduction in settlements
30-90
Days typical resolution time
85%+
Cases achieve favorable outcome
MCA Relief: Your Questions Answered
MCA Relief: Your Questions Answered
Get clear answers to the most common and urgent questions about MCAs.
Can an MCA provider really take money from my account without notice?
Yes. The daily or weekly debit (remit) is part of the agreement you signed. If you default, they can use a Confession of Judgment (COJ) in some states to get a court judgment and levy your accounts, often without you even having a court date.
What is a UCC lien and why is it on my business?
A UCC-1 (Uniform Commercial Code) lien gives the MCA funder a security interest in your business assets. It's like a mortgage on your equipment, inventory, and accounts receivable. If you default, they can use this lien to seize and sell your assets to recoup their money.
Is it possible to negotiate a lower MCA balance?
Yes, it's often possible. We analyze your contracts for legal weaknesses and present your financial hardship to the funder to negotiate a lump-sum settlement or a term-based payout plan that is significantly less than what you owe. This is our primary function.
Important: These are historical ranges from past cases. Every situation is unique, and past results do not guarantee future outcomes. Results depend on specific circumstances, creditor cooperation, and available defenses.
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