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Which States Are Getting Tough on MCA Lenders?
Merchant cash advances (MCAs) may look like quick and flexible funding, but for many small businesses, they come with costly traps. A typical MCA involves fixed daily or weekly withdrawals that continue until the funder collects the purchased receivables — plus heavy fees. Because these withdrawals don’t change when sales slow down, business owners often find themselves stuck in a cycle of debt they didn’t anticipate. Even worse, some MCA contracts include confessions of jud
Business Debt Counsel
Oct 29, 20252 min read


What Makes an MCA Legally Unenforceable?
Merchant cash advances (MCAs) are often marketed as fast, no-hassle funding for small businesses. A lender deposits cash upfront and...
Business Debt Counsel
Sep 29, 20251 min read


Understanding the Effective Interest Rate in Merchant Cash Advances
Merchant Cash Advances (MCAs) can look like a quick fix for small business cash flow needs. The promise of fast funding with minimal...
Business Debt Counsel
Aug 29, 20252 min read


What Is MCA Debt, and Why Are Confessions of Judgment Clauses So Dangerous?
Merchant Cash Advances (MCAs) are a quick source of funding for small businesses, especially those with steady credit card sales. In an...
Business Debt Counsel
Jul 29, 20252 min read


Are Merchant Cash Advances Legal in All States? A 2025 Legal Breakdown
Merchant Cash Advances (MCAs) offer fast capital to small businesses by selling future receivables to a funder. While marketed as “not a...
Business Debt Counsel
Jun 25, 20251 min read


Understanding Business Debt Consolidation: A Quick Overview
Running a business involves navigating a wide range of financial responsibilities, and debt can easily pile up from multiple...
Business Debt Counsel
May 27, 20251 min read


Are Merchant Cash Advances Legal?
Merchant Cash Advances (MCAs) have become a popular financing option for small businesses that can’t qualify for traditional loans. But...
Business Debt Counsel
Apr 29, 20252 min read


The Difference Between MCA and Bank Loans: What You Need to Know
When it comes to securing financing for your business, understanding the options available is crucial. Two common choices are Merchant...
Business Debt Counsel
Dec 12, 20243 min read
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