MCA Debt Relief: Stop MCA Withdrawals!
It's time to take back control of your finances through effective cash flow recovery strategies, explore options like debt settlement, and consider a Merchant Cash Advance to regain stability.
Welcome to MCA Free Path
OUR STORY
For five years, we operated as a lender in the unsecured finance space—better known as MCAs (Merchant Cash Advances). The money was expensive, but the model worked. Lenders, ourselves included, often disguise these products as “purchases of future receivables” to sidestep usury laws. From the inside, I understood why the rates had to be high—defaults are frequent, and risk is costly.
But by 2024, the industry had spiraled out of control. Competitors were charging 1.5 factor rates (a staggering 266% APR) and tacking on 10% underwriting fees, all while making outrageous promises—like so-called “lines of credit”—that they never intended, or were able, to deliver.
We saw the writing on the wall early. At the beginning of 2024, we made a decisive shift: we switched sides. Having been a lender ourselves, we know exactly where their limits are when it comes to settlements—and we use that insider knowledge to fight for better outcomes for our clients.
Exposing the UCC Lien Game
Most MCA lenders weaponize UCC filings — flooding public records with liens they have no legal right to maintain. These filings often violate commercial code standards and overreach far beyond what’s allowed. At MCA Free Path, we specialize in cash flow recovery by identifying those violations, challenging defective filings, and filing UCC-3 terminations that strip these funders of their leverage. When their liens lose validity, their threats lose power — and that’s where we take the bite out of their bark. Our expertise also extends to debt settlement, ensuring that clients can navigate the complexities of Merchant Cash Advance agreements with confidence.
LAW FIRM VS MCA FREE PATH
Bill by the hour—costs can spiral quickly
Require large upfront retainers with no guarantee of results
Drag cases out by filing motions with irrelevant case law (often rejected)
Claim delays are to “buy time” while you’re not paying, but don’t tell you opposing counsel is billing their client—and those costs will likely be passed to you when you lose
In most cases, MCA lenders still win—and you can verify this yourself in UniCourt (public records) by looking up your current lender’s cases
Limited MCA-specific experience—treat cases like general debt disputes
Avoid giving concrete settlement expectations
You take on the financial risk whether they succeed or not
Communication often goes through legal assistants or paralegals
Flat retainer fee—no hourly billing
Fully refundable retainer if we don’t deliver as promised
Act quickly—contact lenders immediately after review using a limited POA
Provide realistic, achievable settlement timelines without hidden risks
Use insider MCA experience to target lender weaknesses and settlement tolerances
Specialized MCA expertise from years inside the industry
Give clear, data-backed settlement options after reviewing your file
We take the risk—if it’s not viable, you pay nothing
You work directly with experienced negotiators who understand lender psychology