What Is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is a form of business financing where a company provides a lump sum of capital in exchange for a percentage of future credit card sales or daily bank account revenue. Unlike traditional loans, MCAs are legally structured as a "purchase of future receivables" — which allows them to charge effective annual rates that can range from 40% to over 350%.
MCAs are repaid through automatic daily or weekly ACH debits from your business bank account — regardless of how much revenue you actually generated that day. This fixed-payment structure is what makes MCAs so dangerous during slow business periods.
Common MCA Problems Business Owners Face
Crushing Daily Payments
Daily ACH debits that consume your revenue before you can pay employees, suppliers, or rent.
MCA Stacking
Multiple MCAs from different lenders all withdrawing simultaneously, creating an impossible cash flow situation.
Lawsuits & COJs
Aggressive lenders filing lawsuits or enforcing Confessions of Judgment after missed payments.
UCC Liens
Public liens on your business assets that prevent you from getting bank loans or other financing.
Personal Liability
Personal guarantees that put your personal assets at risk if the business can't repay.
Lender Harassment
Constant calls, threats, and pressure tactics from collections agents and MCA company representatives.
Your Options for MCA Help
MCA Debt Relief →
Work with a specialized attorney to reduce your overall MCA obligations through negotiation, settlement, or payment modification.
MCA Settlement →
Settle your MCA balance for significantly less than what you owe — often 30–60% reduction — with a structured lump-sum payment.
Stop MCA Withdrawals →
Legally pause or stop daily ACH withdrawals while your attorney negotiates on your behalf — often within 24–72 hours.
MCA Consolidation →
Coordinate resolution of multiple MCAs through a structured attorney-led process that reduces your total daily payment burden.
UCC Lien Removal →
Clear UCC liens from your business records to restore your ability to access traditional bank financing.
MCA Lawsuit Defense →
Get experienced legal defense against MCA company lawsuits, confessions of judgment, and bank levies.
Why Act Now?
Every day you wait, more money is withdrawn from your account. Every NSF payment can trigger a default. Every default can accelerate toward a lawsuit. The MCA industry is designed to move fast — and so should you.
The businesses that come to us early — before defaulting, before lawsuits, before bank levies — almost always get better outcomes than those who wait until they're in crisis. Don't wait for things to get worse.
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Frequently Asked Questions
Is MCA help legitimate?
Yes. MCA debt relief, restructuring, and settlement are legitimate legal services provided by licensed attorneys. We connect you with attorneys who specialize specifically in MCA cases.
How much does it cost?
Our referral service is free. The attorneys in our network generally work on a contingency or success-fee basis — meaning you only pay when they save you money.
Will this work for my specific MCA company?
Our network attorneys have dealt with virtually every major MCA lender including Yellowstone, Pearl, Everest, CFG, IOU Financial, Libertas, and dozens of others.
What if I've already been sued?
We can still help. In fact, active litigation can sometimes create more opportunities for settlement. The sooner you engage an attorney, the better.
Do I have to be in default to get help?
No. Many clients come to us while still current on payments but struggling. Early intervention often produces the best outcomes.