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.