Reverse Consolidation: When It Helps vs Hurts

Reverse consolidation promises lower daily payments by replacing multiple MCAs with one. Here’s when it works, when it makes things worse, and what to consider before signing.

MCA Debt Settlement: How the Process Works

Settlement is the most common resolution for defaulted MCA debt — and funders settle more often than most business owners expect. Here’s exactly how the process works from start to finish.

Confession of Judgment: States Where COJs Apply

A confession of judgment clause lets MCA funders get a court judgment against you without a lawsuit. Here’s how COJs work, where they’re still legal, and what to do if your contract has one.

UCC-1 Liens: What MCA Funders Filed Against You

When your MCA funded, a blanket lien was filed against every asset your business owns. Most owners never know. Here’s what a UCC-1 actually covers and what to do about it.

MCA Default: What Happens and How to Respond

A missed MCA debit triggers a fast-moving escalation process. Here’s the timeline from first bounce to potential judgment — and what to do at each stage.

MCA Factor Rate vs APR: What Your Advance Costs

Your MCA funder quoted a factor rate, not an interest rate. Here’s the real cost math and why effective APRs on merchant cash advances are dramatically higher than they appear.

MCA Stacking: How to Escape the Debt Spiral

Multiple merchant cash advances pulling from the same account daily is one of the fastest ways to collapse a business. Here’s how the spiral works and how to get out.