Challenge Unlawful
MCA Agreements
After the Historic
$1 Billion Judgment!
Leverage the Landmark $1 Billion Judgment to Protect Your Business Before Enforcement Escalates
Accepting funding does not mean consenting to unlawful rates or undisclosed enforcement tactics!
Avoid Costly
Litigation
Attorney General
Complaint Support
Rescission Analysis
Available
Nationwide
Our Whistleblower Services
At MCA Whistleblower, we help business owners identify and challenge defective and unlawful Merchant Cash Advance agreements — including contracts that are structured as loans, contain hidden APR equivalents, or fail to comply with required disclosure laws.
Our process focuses on contract analysis and enforcement strategy, not guesswork. We review MCA agreements to uncover:
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Repayment terms that function as fixed loans
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Disclosure failures tied to state law, including SB 5470
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Structural defects used to manufacture default
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Enforcement mechanisms lenders rely on to apply pressure
When appropriate, we help business owners understand their options for regulatory complaints, dispute escalation, and contract challenges, all before enforcement escalates and leverage is lost.
This is not about avoiding obligations — it’s about holding lenders accountable for terms you never agreed to and practices the law does not permit.
Why Choose us
Strategic Contract Review
We focus on identifying defective MCA contract terms, hidden APR equivalents, and enforcement mechanics that lenders rely on to apply pressure.
Our process is designed to uncover issues before enforcement escalates, while leverage still exists.
Targeted, Personalized Analysis
No two MCA agreements are identical.
We tailor every review based on:
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Your specific contract structure
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The lender’s enforcement history
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Timing and payment status
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Applicable state disclosure requirements
Precision Over Speed
This isn’t about clicking buttons or generating forms.
Each MCA agreement is reviewed individually to assess:
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Whether the advance functions as a loan
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Whether disclosures comply with applicable law
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How enforcement provisions are triggered
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Where leverage may exist to challenge the agreement
Compliance-Focused Review Process
Our review process is designed to support contract challenges, dispute escalation, and regulatory complaints where appropriate.
Any external professional review, when used, is limited to document accuracy and compliance considerations and does not constitute legal advice.
