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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, a division of Upload Stock LLC. MCAWhistleblower is not a law firm, does not provide legal advice, and does not represent clients in court. We are a private platform that empowers consumers to report Merchant Cash Advance (MCA) fraud for investigation and potential resolution.

While we do not replace legal counsel, we may refer appropriate cases to state Attorneys General for review and possible enforcement action. We also engage directly with lenders to challenge predatory contracts and propose rescission agreements based on evidence of fraud, usury, and statutory violations.

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