What's Happening With Your Merchant Cash Advance?
Choose the situation closest to yours for a plain-language explanation, the options owners commonly explore, and a clear next step.
Time-sensitive legal situations
Funder threatening legal action
An MCA funder is threatening legal action or has sued? Understand why prompt legal guidance matters and what information to gather.
Frozen bank account
If your business bank account has been frozen or levied in connection with an MCA, this is urgent. Learn why to contact an attorney promptly and what to gather.
Confession of Judgment
Signed a confession of judgment with a merchant cash advance? Learn what a COJ generally is, why state law matters, and why to speak with an attorney.
Other MCA situations
Multiple / stacked MCAs
Carrying several merchant cash advances at once? Understand how stacked MCA debt affects cash flow and the options business owners commonly explore.
Daily / weekly withdrawals
Daily or weekly merchant cash advance withdrawals squeezing payroll and expenses? Learn how remittances affect cash flow and what MCA payment relief can involve.
Missed MCA payments
Missed a merchant cash advance payment or had debits bounce? Understand what may happen next, what to gather, and options business owners commonly explore.
Concerned about default
Concerned your business may default on a merchant cash advance? Learn how default provisions generally work, potential consequences, and options to explore early.
UCC liens
Understand what a UCC-1 filing tied to a merchant cash advance means, how it may affect future financing, and how UCC termination generally works.
Personal guarantees
Understand what a personal guarantee on a merchant cash advance or business loan generally means and how it can affect owners if the business can't pay.
MCA settlement
Exploring merchant cash advance settlement? Learn how MCA debt settlement generally works, how fees work, and what to get in writing.
MCA restructuring
Learn how merchant cash advance restructuring generally works, how it differs from settlement, and what business owners should consider.
Settlement vs. refinancing
Compare MCA settlement and MCA refinancing or buyouts: how each works, typical trade-offs, and how to compare total cost and cash-flow impact.
MCA buyout & refinancing
Learn how MCA buyouts, refinancing, and consolidation generally work, what they cost, and how to evaluate whether they would actually improve cash flow.
Reconciliation provisions
Learn what a reconciliation provision in a merchant cash advance agreement is, when it may apply, and what funders typically require to review a request.
Funding with existing MCAs
Considering additional business funding while existing merchant cash advances remain outstanding? Understand the risks and how to evaluate new capital.
Cash-flow problems from debt
When debt payments consume too much revenue, cash-flow problems follow. Learn how to measure your debt-payment burden and the options to explore.
Ready to discuss your business debt?
Submit an inquiry, call, or text us directly at 929-757-8018. There's no obligation to move forward.