About MCA Whistleblower

MCA Whistleblower was created to address a growing problem in small business finance:

Merchant Cash Advance agreements that are structured to fail — and enforced without transparency.

Over the past several years, we have reviewed hundreds of MCA contracts issued to small businesses across the country. A consistent pattern emerged: agreements marketed as “revenue-based advances” were often structured as fixed-repayment loans, contained hidden APR equivalents, or failed to comply with required disclosure laws.

Many business owners didn’t discover these issues until enforcement began.

By then, leverage was already reduced.

What We Do

MCA Whistleblower focuses on early intervention, contract analysis, and enforcement prevention.

We review MCA agreements to identify:

Defective or unlawful contract terms
Disclosure failures under applicable state law, including SB 5470
Repayment structures that function as loans
Enforcement mechanisms designed to accelerate default

Our role is to help business owners understand what they actually agreed to — and what they didn’t — before pressure escalates.

How We’re Different

We are not a law firm, and we do not sell litigation.

Instead, we operate at the point where leverage still exists: before judgments, restraints, or forced settlements occur.

When appropriate, we assist with:

Contract challenge strategy
Regulatory complaint support
Lender engagement and dispute escalation
Document preparation related to MCA disputes

Our focus is clarity, timing, and accountability — not reaction.

Why Timing Matters

Most MCA agreements are easiest to challenge while payments are current and before enforcement begins.

Once litigation or restraints are underway, options narrow and costs increase.

That’s why MCA Whistleblower exists:
to help business owners act before their agreement is used against them.

Our Commitment

We believe accepting funding does not mean consenting to unlawful rates, undisclosed terms, or improper enforcement tactics.

Our work is grounded in transparency, compliance, and documented analysis — not promises or guarantees.

If your business is carrying an active MCA, understanding your agreement sooner can make a meaningful difference.

👉 “Expose Illegal MCA Terms
Before
They’re Used Against You.”

Our Mission

At MCA Whistleblower, our mission is to expose unlawful Merchant Cash Advance agreements and restore leverage to business owners before enforcement begins.

We focus on identifying hidden loan characteristics, illegal APR equivalents, disclosure failures, and structurally defective MCA contracts that were never meant to be enforced fairly.

Too often, businesses are pressured into agreements they did not fully understand — not because of negligence, but because critical terms were buried, disguised, or never disclosed at all.

Our role is simple:

Reveal what lenders hid
Document violations clearly and accurately
Help businesses challenge unfair enforcement before irreversible damage occurs

Access to justice shouldn’t depend on a business’s size, cash flow, or legal budget.
It should depend on truth, timing, and leverage.

How We Operate

We provide structured contract analysis, evidence-based document preparation, and strategic escalation pathways designed to challenge unlawful MCA practices — without pretending to be a law firm.

When appropriate, matters may be referred to regulators or escalated through formal dispute and rescission processes supported by documented violations.

We are dedicated to offering our clients outstanding service and ensuring that their documents are delivered promptly. Our team is committed to creating effective documents that are customized to meet each user's specific needs.

Core Values

Clarity Over Complexity

MCA agreements are intentionally written to confuse business owners and obscure true cost, risk, and enforcement triggers.
Our role is to strip away that complexity and clearly identify how repayment structures, disclosures, and enforcement provisions actually operate — so business owners understand what they agreed to and what they didn’t.

We focus on clarity because clarity creates leverage.

Precision Matters

In MCA disputes, outcomes are driven by details lenders assume will never be examined.

We apply a structured, evidence-based review process to identify:

Hidden APR equivalents
Loan characteristics disguised as “advances”
Disclosure failures under applicable law
Enforcement mechanisms triggered by manufactured defaults

Every document we prepare is grounded in specific contractual language, statutory requirements, and repeat patterns we’ve seen across the industry.

Access to Accountability

Predatory MCA practices thrive when business owners believe challenging them is too expensive, too complex, or impossible.

We believe access to contract accountability should not be reserved for large corporations with legal teams.

Our platform is designed to give business owners a practical, affordable path to identify violations, preserve leverage, and take informed action before enforcement escalates.