MCA Legal Resources

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Merchant Cash Advance Help: How to Check Online Advice

Business owner checking the author, jurisdiction and currency of online MCA advice.

Check the evidence, author, date and purpose behind merchant cash advance advice before relying on an online promise or choosing help....

10 August

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Can a Merchant Cash Advance Put Your Personal Assets at Risk?

By Steven R. Serra, Esq.

in Business Debt

MCA personal guarantee reviewed with a home and other personal assets in the background.

Can an MCA claim reach your home or savings? Learn how personal guarantees, LLC protection, homestead laws, joint ownership and retirement exemptions affect an owner’s exposure....

10 August

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When MCA Payments Leave You Short on Payroll, Taxes or Rent

Business cash flow connected to competing MCA payments, payroll, taxes and rent.

MCA withdrawals leaving too little for payroll, taxes or rent? Review the MCA payment schedule, potential changes and collection risks before making another payment promise....

10 August

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MCA Reconciliation Clauses: What Businesses Should Review

By Steven R. Serra, Esq.

Sales ledger beside an MCA reconciliation request.

Find the reconciliation clause, prepare supporting records and document a payment-adjustment request. The available remedy depends on the contract, facts and governing law....

10 August

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Merchant Cash Advance Regulation: State Laws and Business Protections

United States map illustrating state rules, disclosures and MCA contract terms.

Understand merchant cash advance regulation, including federal oversight, selected state disclosure and registration rules, recent developments, and steps for reporting provider concerns....

14 July

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What Happens If You Default on a Merchant Cash Advance?

MCA default-notice graphic with reminders to preserve records and check response deadlines.

What happens if you default on a merchant cash advance? Learn what a funder may do after an alleged default and what to review after a missed payment or notice....

13 July

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MCA Agreements vs. Business Loans: Key Terms to Review

By Steven R. Serra, Esq.

Comparison of revenue terms in an MCA agreement and repayment terms in a business loan.

If you are dealing with unaffordable merchant cash advance (MCA) withdrawals, comparing an MCA agreement with a traditional business loan can help you identify which contract terms need careful review. The documents—not a sales label or a general online summary—control the questions to discuss with an attorney. MCA agreements and traditional business loans may use different payment structures and legal terms. But it is not accurate to assume that every MCA is legally treated the same way, or that a label alone decides the result. The agreement, its performance, the parties’ conduct, and applicable law may all matter.This guide focuses on...

07 July

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What Is a Confession of Judgment? Meaning, State Laws & What to Know

Confession-of-judgment document graphic with an unsigned signature line and a review-before-signing reminder.

A confession of judgment (COJ) may let a creditor seek a judgment without a contested lawsuit if you default. Learn how COJs work, which states restrict them and what to review....

29 June

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MCA UCC Liens: What a Filing Means and What to Do Next