How UCC Liens Affect Your Ability to Get a Business Loan
Quick Answer Do UCC liens prevent me from getting a business loan? Yes — in most cases. Banks and SBA lenders check UCC filings during underwriting. An active UCC-1 from…
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How to Spot an MCA Debt Consolidation Scam
Quick Answer How can I tell if an MCA consolidation company is a scam? Red flags: upfront fees before any work, “guaranteed” settlement percentages, no attorney on staff, pressure to…
What California’s New MCA Debt Collection Protections Mean for Your Business
Quick Answer What MCA protections does California law provide? California requires MCA funders to disclose total cost, estimated APR, and payment amounts (SB 1235). The DFPI enforces these rules. If…
What Happens When MCA Debt Interferes With Payroll, and How to Prevent It
Quick Answer What do I do when MCA payments threaten payroll? This is a crisis. Payroll obligations have legal penalties — MCA obligations do not. Immediate steps: contact an MCA…
How to Prioritize Debt Payments When You Have a Merchant Cash Advance
Quick Answer How should I prioritize payments when I have MCA debt? Priority order: 1) Payroll (legal obligation), 2) Rent/lease (keeps business operating), 3) Essential vendors, 4) Tax obligations (IRS…
What Tariffs Mean for Merchant Cash Advance Borrowers
Quick Answer How do tariffs affect businesses with MCAs? Tariffs increase the cost of imported goods, squeezing margins for businesses with fixed MCA payments. If tariffs reduce your revenue or…
Are Merchant Cash Advances a Scam?
Quick Answer Are MCAs a scam? MCAs are legal financial products, not inherently scams. However, the industry has predatory actors — brokers who misrepresent terms, funders who ignore reconciliation rights,…
How Do I Stop Merchant Cash Advance Withdrawals Without Defaulting?
Quick Answer How do I stop MCA withdrawals without defaulting? The only way to stop withdrawals without defaulting is to negotiate a modification — reduced payments, payment holiday, or settlement.…
What Is a Merchant Cash Advance? How MCAs Work and What They Really Cost
Quick Answer What is a merchant cash advance and what does it cost? An MCA is a purchase of future receivables — not a loan. A funder advances $X and…
Can You Sell Your Business If You Have a Merchant Cash Advance?
Quick Answer Can I sell my business if I have an MCA? Technically yes, but the UCC lien complicates the sale. Buyers will discover the lien during due diligence. You…