Flat MCA Repayments Hurting Your Business? Here’s How New Laws Can Help

Are your Merchant Cash Advance (MCA) repayments putting your business in financial strain? You’re not alone. Many business owners find themselves overwhelmed by fixed MCA payments that don’t adjust to their revenue. But there’s hope — new legal developments can help you correct repayments or even void MCA contracts that don’t comply with the law.

Understanding MCAs and the Usury Trap

MCAs are supposed to function as a purchase of future receivables, not loans. But many MCA companies disguise these as loans by enforcing fixed payments. Under recent case law, legitimate MCAs must adjust their repayments in real time, reflecting a set percentage of your actual revenue. If your contract forces you into fixed payments or claims you can “default,” it might be an illegal usury loan.

Kapitus Court Ruling: A Game Changer for U.S. Businesses

The Kapitus Court ruling in New York has created an opening for businesses to retroactively correct overpayments, claim refunds, and potentially void illegal MCA contracts. This is particularly relevant if your contract lacks proper reconciliation provisions or imposes fixed payments, which can now be classified as usurious under new law.

What You Can Do

Don’t wait until financial stress puts your business at risk. Take control today by:

• Demanding real-time reconciliation: If your MCA payments don’t adjust with your revenue, you may be entitled to a refund.
• Voiding illegal contracts: Use the recent legal ruling to challenge non-compliant MCA contracts and eliminate unnecessary debt.

RAMVC trueUP: Your Solution to MCA Troubles

At RAMVC trueUP, we help businesses by providing:

• Real-time reconciliation to ensure your repayments adjust as they should.
• Contract restructuring and investigations to identify and correct illegal terms.
• Defense support to enforce your rights against non-compliant lenders.

Act today by visiting RAMVC trueUP and regain control of your MCA repayments! With fast, comprehensive support, your business could be back on track in just 24 hours!

Contact Us:
Toll: +1.888.771.7944
EM: enrollment@RAMreconciliation.com

RAMVC is NOT a financial advisor or legal firm offering any advice. We’re a business group spearheading MCA compliance measures. trueUP performs completely transparent analysis and investigations of MCA holder contracts seeking recoup routes to saving monies.