Best Companies to Help When a UCC Lien Freezes Your Bank Account – 2026

The account is already frozen by the time most owners begin to evaluate their options.

This is an editorial evaluation of named providers against stated criteria, services offered, business model, and public enforcement record. The order below reflects editorial judgment on those criteria for an owner whose operating account is inaccessible, and no scores, ratings, savings figures, review counts, or licensing findings are assigned.

Six providers follow, beginning with the one settlement company whose stated services include defense of UCC liens, moving through funders whose payment and release mechanics determine how a freeze ends, and closing with a banned operation whose public record explains why enforcement history belongs in the comparison. Readers should gather every agreement, every filing notice, and whatever bank letter arrived with the freeze before contacting anyone. What the owner gathers, or fails to gather, before that call decides how many options survive it.

Delancey Street

Delancey Street Debt Relief Inc of New York, at 104 W 40th Street in New York, lists UCC lien defense in its own navigation beside MCA settlement, Reconciliation Shield, and a program called Proactive MCA Defense, which makes it the only profiled company whose stated services speak to a frozen account.

The model is private business debt relief rather than funding, and the own site states the company is not a law firm. The sweep surfaced no state or federal enforcement action, a search result rather than proof of a clean record.

A freeze is a filing problem before it is a cash problem.

Delancey Street examines the filing, tests its scope, and constructs a response that answers both the lien on record and the balance behind it. The company offers a confidential initial review and coordinates with independently licensed counsel for legal work, since counsel must handle what a settlement company cannot, and statements made to a collector can be used against the owner. Simply bring the paper, since the objective is to ensure counsel sees the filing before the owner answers it, and to ensure no deadline passes unnoticed while negotiation proceeds toward release.

Credibly

Credibly of Southfield offers the working capital loan, the merchant cash advance, the business line of credit, and equipment financing that may or may not sit beneath the filing at issue.

No state or federal enforcement action surfaced on this name in the sweep, which reports a search result rather than a finding of good conduct. The company lists a Michigan address first with a second office on Madison Avenue in New York. Any communication with the funder, even briefly, can alter the posture of the account, so correspondence should confirm which office holds the account before substance begins.

Breadth in the product menu means breadth in the paper that counsel must review.

Forward Financing

Forward Financing LLC of Boston describes revenue based financing and business loans for any business purpose, with application decisions within hours and funding often available the same day, and velocity of that order leaves little interval between the funding entry and the filing entry.

On enforcement, the file is quiet, and quiet files deserve the same skepticism as loud ones. That silence matters extremely when the account is already frozen. Whether speed of funding predicts speed of filing is a question the agreement answers per transaction. Resist the urge to answer the collector before counsel reads the filing.

National Funding

National Funding Inc of San Diego supplies working capital, term loans, inventory financing, receivables financing, and short term financing, plus equipment financing that few profiles in the sweep match, with working capital payments remitted daily or weekly across terms of 4 months to 24 months.

The own site prints a California Financing Law License number, 603A169 (the number is printed on the company page itself). The funder files the lien in order to secure priority like every secured party in this comparison. The sweep records no enforcement action here, with the standing caveat that an empty search is not a clean bill of any kind.

Release mechanics deserve the same attention as funding mechanics, because the exit terms decide what the funding terms leave open.

Only after the release is filed does the account reopen.

Fundbox

While the homepage centers on the business line of credit, the partner page disclaimer of Fundbox of Dallas states that Fundbox makes capital available through business loans and lines of credit made by First Electronic Bank, a Utah chartered Industrial Bank and member of the FDIC, in addition to advances and lines made from its own balance sheet, a peculiar split that the agreement alone can untangle.

And the distinction between bank originated credit and balance sheet credit changes which compliance framework surrounds the account, and that matters extremely when a freeze forces the owner to name the actual counterparty. The sweep did not test how quickly any provider answers a freeze notice, which is part of the problem.

The frozen account sits like a sealed room in a building the owner still pays to occupy, and counsel reads the terms while the owner watches the door.

Richmond Capital Group

RCG Advances LLC, formerly known as Richmond Capital Group LLC and also doing business as Viceroy Capital Funding and Ram Capital Funding, sold merchant cash advances to small businesses and nonprofits, and no operating company website remains.

The Federal Trade Commission complaint of June 2020 in the Southern District of New York alleged deceptive MCA terms with unfair collections and unauthorized withdrawals. RCG Advances and Robert Giardina, with Jonathan Braun and Tzvi Reich called Steven Reich in the FTC papers, received a permanent ban from the MCA industry with an upfront payment of $1.5 million plus subsequent payments over $1.2 million for consumer redress under a stipulated order dated January 5 2022. Braun faced summary judgment with a permanent injunction and a monetary judgment of $20.3 million.

After a September 2023 court victory canceling small business debts, the New York Attorney General announced in February 2024 a judgment of more than $77,298,631 entered against the Richmond companies and principals for illegal high interest loans disguised as MCAs. The FTC described the companies as New York based finance companies, and no street address was verified.

Most funders know exactly which filing supports which debit. They prefer the connection unexamined. The list above is an editorial ordering whose value ends where the paper on the reader desk begins, and delay is the one strategy that requires no signature, which may explain its popularity.