Construction MCA Debt: Escape the Seasonal Cash Trap
Spring is peak season for contractors — but stacked MCA advances drain every dollar before it reaches your crew. Here’s how to get out.
MCA Debt for Truckers: Escape the Daily Debit Trap
Trucking owner-operators crushed by MCA daily debits have real options. Learn how negotiated resolution helps small fleets escape the stacking spiral.
MCA Reconciliation Clause: What Your Contract Hides
Your MCA contract has a reconciliation clause that was supposed to protect you when revenue drops. Here’s why it rarely works — and how to use it anyway.
Subchapter V Bankruptcy: A Small Business Guide
Most business owners think bankruptcy means closing. Subchapter V is a streamlined reorganization designed specifically for small businesses — including those buried in MCA debt. Here’s how it works.
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 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.