Confidential • Business-Focused • Strategic • Nationwide
We built this firm from firsthand MCA experience.
We know the pressure, complexity, and decisions that MCA obligations create.
We’ve navigated the realities that these obligations can create for a business—difficult decisions, complicated agreements, cash-flow pressure, and the challenges that arise when MCA obligations become unsustainable, go to collections, or show up as a UCC lien.
That experience shaped the way we work today. We help business owners slow the situation down, understand what they’re facing, identify the issues that require immediate attention, and develop a strategy for what comes next.
Because when you’re dealing with an MCA problem, experience matters.
The Problem
When MCA Payments Become Unsustainable
A merchant cash advance can provide fast capital, but the daily or weekly repayment structure can quickly strain cash flow. When balances renew, stack, or absorb most of a business’s revenue, owners are forced into a reactive cycle of renewals, broker calls, and increasing pressure.
Sometimes the situation escalates further: a default notice arrives, the account is sent to collections, or a UCC lien is filed. That is where many owners need a confidant—someone who has been there and can help them think clearly about what to do next.
How We Help
A Strategic Process for Complex Situations
Assessment
We review your MCA positions, cash flow, and contracts to understand the full picture.
Strategy
We develop a tailored approach based on your business priorities and available options.
Resolution
We help coordinate conversations and next steps toward a more sustainable outcome.
Ongoing Support
We stay engaged as your situation evolves, adjusting strategy as needed.
MCA Solutions
Support for Every Stage of an MCA Challenge
Single MCA Position
Evaluate one advance that is straining cash flow and identify practical options.
Multiple MCA Positions
Prioritize stacked obligations and build a sequencing strategy that protects operations.
UCC-1 & Processor Issues
Understand lien filings, payment processor restrictions, and available responses.
MCA Lawsuit Information
Get clear context on court filings and when to engage independent legal counsel.
Broker-Advanced Positions
Review broker involvement, fees, and disclosure concerns in your funding arrangement.
Locked or Restricted Contracts
Assess contract terms, early payoff language, and reconciliation rights.
About MCA Advisory Group
Calm, Competent, Credible
MCA Advisory Group is a merchant cash advance advisory and resolution company. We work with business owners who are experiencing problems with MCAs and need a clear, strategic way forward.
We do not provide legal advice or legal representation. When legal counsel is appropriate, we help clients connect with independent licensed attorneys.
“No unrealistic promises. No one-size-fits-all solutions. A strategy built around the business.”
Legal Guidance
Do You Need an Attorney Yet?
Not every MCA issue requires legal representation at the outset. Some situations may have business, financial or resolution options worth understanding before determining the appropriate next step.
MCA Advisory Group can help you evaluate your situation, understand the issues you’re facing and determine what type of professional assistance may be appropriate.
When legal representation is necessary, we believe in involving qualified independent counsel—not trying to replace them.
Important: If you’ve been served with a lawsuit, received a court deadline, or need legal advice, you should promptly consult appropriately licensed legal counsel.
MCA Advisory Group is not a law firm and does not provide legal advice or legal representation.
Resources
Resource Center
Clear, practical information about merchant cash advances and the options available to business owners.
Article
What Happens If You Default on a Merchant Cash Advance?
Understand the typical sequence of events after default and what options business owners may consider.
Read moreArticle
Can an MCA Company Freeze Your Payment Processor?
Learn how payment processor restrictions and lockbox arrangements can affect your business receipts.
Read moreArticle
What Is a UCC-1 Filing?
A plain-language explanation of UCC-1 financing statements and how they relate to MCA obligations.
Read moreArticle
What Happens When You Have Multiple MCA Positions?
Explore the risks of stacked advances and how to think about prioritization and sequencing.
Read moreArticle
Can Merchant Cash Advance Payments Be Restructured?
Review the factors that influence whether an MCA payment structure can be adjusted or renegotiated.
Read moreArticle
What Should You Do If an MCA Company Sues Your Business?
Practical guidance on responding to a lawsuit and when to seek independent legal representation.
Read moreGet a Free, Simple Consultation
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