Merchant cash advance answers
Plain-English answers to the questions merchants actually ask about merchant cash advance debt — written to be useful, not to sell you. When you're ready, see how relief works.
Worried about the consequences?
What can — and can't — actually happen if you fall behind.
- What happens if I stop paying my merchant cash advance? →
- Can I go to jail for not paying a merchant cash advance? →
- Can a merchant cash advance company freeze my bank account? →
- Can a merchant cash advance company sue me personally? →
- What is a UCC lien and what does it mean for my business? →
- What happens when a merchant cash advance company sues me? →
- What is a confession of judgment (COJ) on a merchant cash advance? →
- Can a merchant cash advance company contact my customers or shut down my business? →
Your options for getting out
Settlement, reconciliation, consolidation, and how to choose.
- Can you settle a merchant cash advance? →
- How much can I settle my merchant cash advance for? →
- Is merchant cash advance debt settlement legit? →
- What are my options if I can't pay my merchant cash advance? →
- Can I consolidate multiple merchant cash advances? →
- What is MCA reverse consolidation and is it a good idea? →
- Should I hire a lawyer or a settlement company for my merchant cash advance? →
Stacking & the daily-debit spiral
When multiple advances are draining the same account.
Choosing help & how settlement works
Vetting providers, costs, timelines, and the process.
- How does merchant cash advance settlement work, step by step? →
- How do I know if an MCA relief company is a scam? →
- How much do MCA settlement companies charge? →
- Will settling my merchant cash advance hurt my credit? →
- How long does merchant cash advance settlement take? →
- Do I have to stop paying before I can settle my MCA? →