Daily withdrawals draining your business. Lenders calling. Legal threats piling up. You need someone who actually understands MCA pressure, not a sales pitch. A quick conversation is all it takes to start. Call, text, or fill out the form. Whatever's easiest for you.
This business owner was facing a $124,145.61 judgment. We negotiated it down to a single payment of $31,000, a 74.8% reduction. The lender agreed to stop all collection efforts and dismiss further legal proceedings.
Every situation is different. Here's what clarity looked like for a few of the business owners we've worked with.
Every case below links to the actual signed agreement, with names and account details redacted to protect the business owner.
Most business owners don't realize how fast MCA problems compound. If any of these sound familiar, your situation is worth reviewing.
Automatic debits pulling money out of your account every day or every week, leaving you short for payroll, rent, and vendors.
Multiple MCA agreements running at the same time, each one pulling from the same account. The math stops working fast.
Receiving legal notices, confession of judgment threats, or actual lawsuits from MCA lenders trying to collect aggressively.
MCA lenders accessing your bank account through UCC filings or court orders, putting your operating capital at risk.
MCA obligations eating into the money you need to keep the business running. You're robbing Peter to pay Paul every week.
You took the MCA to help the business grow. Now it feels like there's no way out. There are usually more options than you think.
While most firms in this space launched in the last two or three years, First American has been working with MCA-burdened businesses since before the industry exploded. That means we've navigated every lender tactic, every legal maneuver, and every kind of cash-flow crisis that MCA pressure creates.
We're a second-generation, family-owned firm. When you call, you talk to people who know your situation because they've handled it hundreds of times, not a call center reading from a script.
No long applications. No paperwork to dig up. No sitting in an office. We keep it simple. You can even do the whole thing over text if you're busy running your business.
Call, text, or fill out the form. Takes about 2 minutes. Just tell us the basics: how many MCAs, what you're dealing with, and what's stressing you out. That's enough to get started.
A real person reviews your situation and gets back to you, same day. We explain what's happening in plain English, what risks you're facing, and what paths are available. No jargon, no pressure.
Armed with real information, you choose how to move forward. Whether that's working with us, talking to an attorney, or handling it yourself. The decision is always yours. Zero pressure.
We work with business owners across the country who are dealing with MCA situations that feel out of control. If any of these apply, we can help.
Behind on MCA payments or about to miss one. The pressure is building and you're not sure what happens next.
Received a lawsuit, confession of judgment notice, or collections calls from MCA lenders or their attorneys.
MCA debits have drained your operating capital to the point where keeping the lights on is a weekly struggle.
Took out more than one MCA to cover the first one. Now the total obligation is crushing the business.
Worried about account freezes, UCC liens, or unauthorized withdrawals by MCA lenders.
Tired of getting sales pitches. You want someone to look at your situation and tell you what's actually going on.
Most firms in this space popped up yesterday. We've been doing this for 15 years. That difference shows up in how we work.
Second-generation family business. You talk to people who care about your outcome, not a revolving door of salespeople.
We work only with commercial, business-to-business MCA agreements. We do not handle consumer or personal accounts. MCA business pressure is all we do, and that specialization matters.
We work with licensed attorneys who specialize in MCA cases. When legal counsel is needed, we connect you with the right people.
Too busy to sit on the phone? Text us. Prefer email? That works too. We meet you wherever is easiest and you'll hear back the same day from a real person, not a chatbot.
First American is a family business in the truest sense. It was built by a father who spent his career working with business owners on commercial financing and lender disputes, and it has been passed to his son, who leads the firm today. That handoff was never a change in direction. It was the same values, the same approach, and the same standard of care carried into a second generation.
Other members of the family work inside the business as well, and that shows in how we operate. Our reputation is our name, and every consultation reflects on people we sit across the dinner table from. There is no call center and no revolving door of sales reps. The people who answer the phone are the people who built this.
Together, our family brings more than 28 years of combined experience in commercial financing and lender disputes, and First American has spent the last 15 years focused on one thing: helping business owners through MCA pressure. Read our full story.
We look at your MCA agreements, your payment schedule, and what's happening with your cash flow. Then we explain the situation in plain language, what risks are developing, and what options make sense for you. The whole thing starts with a quick call or text. No forms to fill out, no documents to dig up. It's free and there's zero obligation to move forward.
No, First American is not a law firm and does not provide legal advice. We are a business consultancy that helps you understand your MCA situation. When legal counsel is needed, we connect you with licensed attorneys who specialize in MCA cases. You always have the choice of which attorney to work with.
Same day. Most people hear from us within a few hours. If you prefer text, just say so in the form or text us directly. We know you're busy running a business and can't always take a phone call.
That's exactly the kind of situation we deal with regularly. Legal threats from MCA lenders, including confessions of judgment, UCC filings, and lawsuits, are common, and most business owners don't realize what options they have. We'll review what you're facing and, if needed, connect you with an attorney who handles these cases specifically.
The initial consultation is completely free. If you decide to work with us or with one of our attorney partners, fees and terms are discussed transparently before anything moves forward. No surprises.
Most firms in this space are new, use high-pressure sales tactics, and make promises they can't keep. We've been doing this for 15 years. We're a family-owned firm that focuses exclusively on MCA situations. We don't promise specific outcomes. We give you honest information so you can make the best decision for your business.
No. We're based in Jacksonville, Florida, but we work with business owners in all 50 states. MCA agreements are usually governed by the funder's home state, not yours, so where you're located matters less than the terms you signed. Our attorney network covers every state, and we'll connect you with someone licensed where your case would actually be handled.
Not from us. Your consultation is confidential and nothing is shared with any funder, lender, or third party unless you decide to move forward and authorize it. Many business owners simply want to understand where they stand before making any decision. That's a perfectly good reason to reach out.
Every day you wait, the withdrawals keep hitting. A quick call or text can change how you see your situation. No cost. No obligation. Just clarity.
