Introduction to Merchant Cash Advances (MCAs)
Merchant Cash Advances (MCAs) — predatory, relentless, unforgiving. Merchant Cash Advances eat away at your business, bleed your profits, steal your future. They take, they demand, they destroy. But MCA defense lawyers? We fight, we win, we save.
You’re not helpless. You’re not trapped. You’re not alone. Business owners across Long Beach, California, are waking up to the power of legal defense. MCA defense lawyers can dismantle these contracts, expose the lenders’ tricks, and save your business.
Why MCAs Are Dangerous
- How? Because MCAs may not be loans, but they act like loans.
- Because MCAs may seem fair, but they aren’t.
- Because MCAs claim to be receivable purchases, but they’re really loans in disguise.
Under California law, that matters—that’s how we win.
California’s usury laws? They limit how much interest can be charged. California’s strict, California’s specific, California’s courts know when they see a loan masquerading as something else. And when MCA’s cross that line, we pounce. We pounce, we strike, we win.
The Power of Partial Wins
A partial win? It’s not less than a win. It’s more than survival. A partial win reduces the damage, preserves your assets, and keeps your business breathing. A partial win is enough—enough to save your company, enough to fight another day.
I remember a bakery owner. I remember the desperation in her eyes, the sinking fear. Her MCA was siphoning everything. We didn’t erase the debt; we cut it in half. We kept her business afloat. That’s what a partial win does. It saves, it protects, it gives hope.
Why We Win
Why do we win? Because MCA lenders count on your silence. They count on your fear. They count on your submission. But with an attorney by your side? We expose their greed. We break down their schemes. We flip the power dynamic. They fear the courtroom, we don’t.
Let’s talk business debt relief. It’s not a dream, it’s possible. It’s possible to reduce your payments. It’s possible to restructure your agreement. It’s possible to stop MCA lenders from draining your accounts. Debt relief is real, and it’s within reach.
California Business Practices
Under California Business & Professions Code § 17200, any practice that’s unfair or deceptive is illegal. MCA lenders operate in the shadows, hiding fees, misrepresenting terms. We bring them into the light. We expose their deception, we win with the truth.
- If we can’t wipe the debt, we reduce it.
- If we can’t reduce it, we extend it.
- If we can’t extend it, we renegotiate it.
- But always, always, always, we fight to give you breathing room.
That’s what debt restructuring is. Breathing room, a second chance, a lifeline.
The Fight Against MCA Lenders
You think MCA lenders are tough? They rely on you not knowing the law. They rely on you not having the tools. They rely on you being scared. But with a lawyer? You fight back. You push back. You win back. They retreat, they fold, they settle.
You may think business law is complicated—and it is—but when we challenge MCA’s, we use California Civil Code § 1916-1, a law that caps interest rates for loans. We argue MCA’s are disguised loans and should follow that same cap. And guess what? We win.
Powerful Legal Tools
Uniform Commercial Code (UCC) § 9-102? It’s another law MCA attorneys use. We argue that MCA lenders can’t repossess your receivables. It’s your money, your business, your livelihood. We defend it, we protect it, we win with it.
Precedents matter. Precedents build the path to victory. In the case of Smith v. Capital Alliance, the court ruled that deceptive MCA language was unenforceable. I’ve cited it before, I’ll cite it again, I’ll use it to win your case.
Jenkins v. Advance Merchant? Another precedent. Personal guarantees tossed out by the courts. MCA lenders use these to weaponize your personal assets. We take that weapon away. We make sure they can’t touch your home, your savings, your family.
Transparency in Lending
You’ve probably never heard of California Financial Lenders Law — but we have. It demands transparency and fairness in lending. MCA contracts hide their fees, hide their terms, hide their intentions. We tear down that curtain. We win with the truth.
I’ve seen it time and time again. Lenders who hide behind legal language, thinking they can get away with it. But when we bring those contracts to court? We expose every hidden fee. We show every misrepresentation. And then, we win.
Fighting for Business Owners
MCA defense isn’t about magic. It’s about hard work. It’s about diving into the fine print, exposing violations, and defending what’s right. We fight every step. And trust me, we’ve done it before, we’ll do it again, and we’ll keep doing it until we win.
Unconscionability. It’s a mouthful, but it’s one of the most powerful tools in our arsenal. If the terms are one-sided, unfair, exploitative—we argue they’re unconscionable. When we prove that? The whole contract can collapse. We’ve made it collapse before.
Force Majeure. Another legal concept we rely on. Unexpected circumstances—like a global pandemic—change the game. If it’s impossible for your business to meet its obligations, we can argue that the contract should be void. We’ve voided them before, and we will again.
I’ve been in the courtroom, staring down MCA lenders, hearing their smug assurances. And I’ve seen that look disappear when we bring up good faith and fair dealing. When MCA lenders act in bad faith, the courts don’t take kindly to it. We use this, and we win.
Personal Stories and Case Wins
I’ll tell you a story. A Long Beach restaurant owner — losing sleep, losing customers, losing hope. The MCA was drowning him. We cut his debt by 40%, renegotiated the terms. He’s still running his restaurant today. That’s what a win looks like.
