Merchant Cash Advances (MCAs) provide fast access to capital, but when merchants stop remitting daily or weekly payments, financial exposure for funders can escalate quickly. Defaults, diversion of receivables, and intentional payment avoidance require immediate legal intervention.
Our Texas-based commercial debt collection attorneys represent MCA funders, alternative lenders, and finance companies in enforcing MCA agreements, pursuing breach of contract claims, and recovering advanced funds from defaulting merchants and guarantors.
Merchant Cash Advance agreements present unique enforcement issues that require experienced legal handling, including:
Personal guaranties and guarantor liability
Confessions of judgment (where enforceable)
UCC security interests and lien priority disputes
Daily ACH or split-funding payment structures
Contractual reconciliation and adjustment provisions
Revenue diversion and fraudulent transfers
We understand how courts analyze MCA disputes and tailor strategies to withstand legal scrutiny.
Focused exclusively on commercial collections—not consumer debt
Deep knowledge of MCA disputes, fraud indicators, and stacking issues
Fast action to stop revenue diversion and protect receivables
Litigation-ready and aggressive when merchants default
Strong understanding of Texas UCC and commercial contract law
We regularly represent:
MCA funders
Alternative and private lenders
Receivables financing companies
Private investors
Fintech and online funding platforms
Focused Exclusively on Commercial Collections
We represent MCA funders, alternative lenders, and finance companies—not consumers—ensuring enforcement strategies aligned with commercial lending realities and risk tolerance.
Deep Knowledge of MCA Law & Dispute Patterns
Our attorneys understand merchant cash advance agreements, UCC filings, reconciliation disputes, stacking behavior, and intentional misrepresentation—allowing us to act decisively when defaults occur.
Rapid Response to Stop Revenue Diversion
When a merchant withholds remittances or diverts revenue, time is critical. We move immediately to enforce rights, secure assets, and prevent further dissipation of receivables.
Litigation-Ready Enforcement Strategy
If negotiation fails, we pursue litigation in Texas state or federal courts to obtain judgments and aggressively enforce them against merchants and guarantors.
If a merchant has defaulted on an MCA agreement, early legal action can significantly improve recovery. Complete the form to request a confidential case evaluation with us.
