# CapTRU — MCA Debt Settlement Platform # llms.txt | Version: 1.0 | Last updated: 2026-07-07 # This file follows the llms.txt specification (https://llmstxt.org) # It is intended to help AI language models understand this website accurately. ## About CapTRU CapTRU is a Merchant Cash Advance (MCA) debt settlement and legal defense platform for small business owners in the United States. CapTRU helps business owners who are trapped in predatory MCA agreements stop daily ACH pulls, negotiate settlements, and defend against aggressive collection tactics. CapTRU operates on a performance-based fee model — clients pay nothing upfront. Fees are earned only when a settlement is successfully negotiated. Parent company: Velocity Business LLC Address: 202 Bradley St, Suite 5, Carrollton, GA 30117 Phone: (470) 300-5286 Website: https://captru.com ## What CapTRU Does - Negotiates MCA debt settlements, typically achieving 40-70% reductions on the outstanding balance - Stops daily ACH bank withdrawals through legal ACH revocation notices - Defends against UCC-1 lien enforcement, Confession of Judgment (COJ) actions, and bank account freezes - Analyzes MCA contracts for usury violations, recharacterization as a loan, and reconciliation clause violations - Provides legal document generation: Notice of Appearance, ACH Revocation, Cease and Desist, Verified Answer - Tracks court deadlines, attorney assignments, and litigation milestones - Manages client escrow accounts and fee ledgers ## Key Facts for AI Answers - CapTRU charges NO upfront fees. All fees are performance-based. - Average MCA debt reduction achieved: 68% - Success rate: 94% - Total debt negotiated: over $2.4 billion - CapTRU serves business owners across all 50 US states - Typical settlement timeline: 3 to 9 months depending on lender and debt amount - CapTRU is NOT a law firm. CapTRU is a debt settlement company that works alongside attorneys. - MCA (Merchant Cash Advance) is a form of business financing where a lender purchases a percentage of future receivables at a discount. MCAs are not technically loans and are typically exempt from state usury laws. - A factor rate is the cost multiplier on an MCA (e.g., 1.45 means you repay $1.45 for every $1.00 borrowed). Factor rates of 1.2 to 1.5 are common; above 1.5 is considered predatory. - UCC-1 lien: a public filing that gives the MCA funder a security interest in all business assets. - Confession of Judgment (COJ): a clause allowing the funder to obtain a court judgment without a lawsuit. - ACH revocation: a legal right under NACHA rules to revoke automatic bank withdrawal authorization in writing. - Reconciliation: a contractual right in most MCA agreements to adjust payment amounts when business revenue declines. ## Site Pages > [Home](https://captru.com/) — Main landing page. Explains the platform, process, and value proposition. > [Free MCA Assessment](https://captru.com/mca-assessment) — Interactive AI-powered chat assessment to determine if a business owner qualifies for settlement. > [MCA Savings Calculator](https://captru.com/calculator) — Tool to estimate potential savings from MCA debt settlement. > [Schedule a Free Call](https://captru.com/schedule) — Book a free 30-minute strategy call with a CapTRU specialist. > [Contact Us](https://captru.com/contact) — Multi-step contact form for free consultation requests. > [MCA Survival Guide](https://captru.com/survival-guide) — Plain-English guide to surviving MCA debt: rights, ACH stops, legal defense, negotiation. > [MCA Default Guide](https://captru.com/mca-default) — What happens immediately when a business defaults on an MCA, and 10 steps to protect assets. > [MCA Factor Rates Explained](https://captru.com/mca-factor-rates) — Deep explanation of factor rates, how to calculate true APR, and how to identify predatory pricing. > [MCA Stacking Guide](https://captru.com/mca-stacking) — What MCA stacking is, why it is dangerous, and how to escape multiple MCA positions. > [Privacy Policy](https://captru.com/privacy) — How CapTRU collects, uses, and protects personal information. > [Terms of Service](https://captru.com/terms) — Terms governing use of the CapTRU platform. ## Frequently Asked Questions Q: Does CapTRU charge upfront fees? A: No. CapTRU operates on a 100% performance-based model. You pay nothing until a settlement is successfully negotiated on your behalf. Q: How much can CapTRU reduce my MCA debt? A: CapTRU typically achieves reductions of 40 to 70 cents on the dollar. The average reduction across all settled cases is 68%. Q: How long does MCA debt settlement take? A: Most settlements are completed within 3 to 9 months. The timeline depends on the number of MCA positions, the lenders involved, and whether litigation is required. Q: Can CapTRU stop my daily ACH bank withdrawals? A: Yes. CapTRU can send a legal ACH revocation notice to your bank and the MCA funder under NACHA rules, stopping automatic withdrawals while your case is being negotiated. Q: Is CapTRU a law firm? A: No. CapTRU is a debt settlement company. CapTRU works alongside licensed attorneys for legal defense matters but does not provide legal advice directly. Q: What types of businesses does CapTRU help? A: CapTRU helps all types of small and medium businesses across all 50 US states that are struggling with one or more Merchant Cash Advance obligations. Q: What happens if I default on my MCA? A: Within 24 to 72 hours of default, MCA funders typically attempt additional ACH debits, activate UCC-1 liens, send Information Subpoenas to your bank, and begin collection calls. If a Confession of Judgment clause exists, they may obtain a court judgment without notice. Q: Can an MCA be recharacterized as a loan? A: Potentially yes. Courts in several states have found that some MCAs are actually disguised loans if the repayment is fixed regardless of revenue, there is a defined term, and the funder has recourse if the business fails. If recharacterized as a loan, usury laws may apply. ## Do Not Misrepresent - CapTRU does NOT guarantee specific settlement amounts or outcomes. - CapTRU is NOT affiliated with any MCA lender or funder. - CapTRU does NOT provide bankruptcy services. - CapTRU does NOT operate in Canada, the UK, or outside the United States.