MCA funders use predatory factor rates, illegal collection tactics, and buried contract clauses to drain your business dry. We built enterprise-grade legal and financial technology to fight back - and we don't get paid unless you win.
Legal Triage Platform - attorney-grade contract analysis from day one
AI Contract Scanner - finds every vulnerability in your MCA agreement
Flux Analysis Engine - proves unauthorized over-collection
Litigation Defense - court deadline tracking & legal document generation
$2.4B+
Debt Negotiated
68%
Avg. Reduction
94%
Success Rate
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100% confidential · Your info is never shared with lenders
MCA funders call it a "purchase of future receivables" to dodge usury laws. But when the factor rate translates to 150%, 200%, even 400% APR - and the daily ACH never reconciles with your actual revenue - courts are starting to call it what it is: a predatory loan. And predatory loans can be challenged.
200-400%
Typical Effective APR
Most MCA factor rates translate to annual percentage rates that would be criminal usury in many states. Our APR calculator shows you the real number.
3 in 4
MCAs Violate Reconciliation
Your contract likely says payments adjust with your revenue. Most funders ignore this and pull fixed amounts regardless - that's a breach of contract.
68%
Average Debt Reduction
When we combine legal leverage with financial evidence and skilled negotiation, the average client settles for 32 cents on the dollar.
MCA funders have armies of lawyers and decades of contract engineering on their side. We built a full-stack legal and financial technology platform to match them - and then some. Every client gets the full power of every tool, from day one.
Attorney-grade defense from day one
The moment you enroll, our Legal Triage Platform begins analyzing your contracts for usury violations, recharacterization vulnerabilities, and illegal collection tactics - the same tools used by top commercial litigation attorneys, now working exclusively for you.
We find the weapons in your contract
Our AI-powered scanner dissects every clause in your MCA agreement - governing law, reconciliation provisions, personal guarantee terms, confession of judgment clauses. We find the vulnerabilities before the funder weaponizes them against you.
Prove your payments were unauthorized
MCAs are supposed to adjust with your revenue - not drain a fixed amount daily regardless of what you earn. Our Flux Analysis Engine compares your actual deposits against what was collected, exposing funders who violated reconciliation clauses.
When they sue, we're already ready
If a funder files suit, our Litigation Defense System tracks every court deadline, generates your legal response documents, and ensures nothing falls through the cracks. We've built the infrastructure that keeps your case alive and your rights protected.
Data-driven offers that get accepted
Our negotiators don't guess - they use real settlement data, lender behavior patterns, and your specific contract vulnerabilities to craft offers that funders accept. Every offer, counter-offer, and response is tracked with full timestamps.
Every violation is a weapon in your hands
Unauthorized ACH pulls. Harassment calls. Hidden fees. Illegal UCC-1 filings. Every violation your funder commits is documented with timestamps, building a legal record that gives our attorneys real ammunition at the negotiating table and in court.
You didn't start your business to spend every morning watching a funder drain your account before you can pay your employees. You started it because you had a vision, took a risk, and built something with your own hands. That matters. That's worth fighting for.
MCA funders count on you feeling alone, overwhelmed, and out of options. They count on you not knowing your rights. They count on you not having the technology to fight back. We exist to prove them wrong - and we've done it thousands of times.
A clear, transparent process - with our technology working for you at every step.
Tell us about your MCA debt. We calculate your APR, identify legal vulnerabilities, and estimate your savings - in minutes.
Our AI scanner and legal team pull apart every clause in your agreements. We find the leverage points before we ever pick up the phone.
We build your defense: usury arguments, recharacterization challenges, flux analysis reports, and legal filings if needed.
Armed with evidence and legal leverage, our negotiators approach funders from a position of strength - not desperation.
You approve every settlement. We handle disbursements. You get back to running your business, not fighting for it.