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Discover Your MCA's True Effective APR: Protect Yourself from Usurious Contracts

​It's essential to understand the true cost of your Merchant Cash Advance (MCA). Even if your agreement states "This is Not A Loan," many courts consider such agreements as loans disguised as receivables contracts. If your effective APR exceeds 25%, your agreement could be usurious and potentially illegal.

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© 2025 by MCAWhistleblower. MCAWhistleblower is not a law firm and does not provide legal advice or represent clients. We are a platform that enables consumers to report MCA fraud for investigation and potential positive outcomes. While we are not a substitute for legal counsel, we do refer cases to Attorney Generals for possible prosecution. We also aggressively challenge original contracts directly with the lender to propose rescission agreements based on fraud and statutory violations. Use of this site does not create an attorney-client relationship, and we make no guarantees regarding case outcomes. Use of its products is governed by its Terms of Service, Privacy Policy, and Legal Disclaimer.

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