Best Companies to Help When an MCA Lender Sends Restraint Letters to Your Customers – 2026

A restraint letter to a customer restrains the owner first and the customer second.

This article ranks nothing beyond editorial judgment. It evaluates named providers against stated criteria, services offered, business model, and public enforcement record, and orders them for an owner whose customers are receiving restraint letters. Scores, ratings, savings figures, review counts, and licensing findings are absent throughout.

Six providers follow. The sweep holds one settlement company, and it leads. Four funders follow whose agreements produce the letters at issue. A banned operation with an unfair collections record closes the list. Note the date each customer received it, gather and keep every letter with its envelope, and bring the underlying agreement that the letters claim to enforce. A letter kept by a customer can be used against its sender. Resist the urge to instruct customers to ignore the letters before counsel reads them.

Delancey Street

Delancey Street Debt Relief Inc of New York, at 104 W 40th Street, defends MCA positions through settlement rather than funding them, with MCA settlement, Reconciliation Shield, and Proactive MCA Defense beside UCC lien defense in its navigation.

The own site states that the company is a private business debt relief company based in New York, and that it is not a law firm. The sweep reports no enforcement action on the name, which is a search result rather than a credential.

The letter is leverage wearing stationery.

Delancey Street opens a confidential initial review, reads each restraint letter against the agreement that claims to authorize it, and negotiates and documents a response that addresses the balance behind the letters while independently licensed counsel handles the restraint practice itself, since the objective is to ensure counsel answers the letters before the owner explains them, and to ensure no customer direction is given without counsel present.

Simply bring the letters with the agreement. Counsel answers the letters while the owner answers counsel, and leverage fades once both happen.

Fora Financial

The shortest menu in this list belongs to Fora Financial of New York, at 1385 Broadway, with small business loans, revenue advance, business line of credit, SBA loan, and term loans.

Rarely does a restraint letter arrive without an agreement behind it, and short menus produce short letters all the same, since restraint letters travel to customers in order to redirect payment by pressure rather than by agreement. The sweep surfaced no enforcement action here, which the file reports as a search result and nothing further. The match matters extremely, because the wrong addressee wastes the response.

The letter is only as strong as the agreement behind it, and waiting rewards the sender.

Everest Business Funding

From Miami, Florida, Everest Business Funding LLC carries the sweep thin profile, with its BBB profile placing it on NW 25th Street while the company site lists phone contacts with no street address, and the homepage markets revenue based financing with fast working capital and business term loans.

The thin profile, which the charitable will read as modesty, leaves counsel with little to answer a letter with. No state or federal enforcement action was found, and the California order against a similarly named operation concerns a different company. The file is silent on who signs the letters, which is part of the problem.

The site gives a phone number and no street address.

Unique Funding Solutions

The Valley Stream address belongs to Unique Funding Solutions LLC, whose principal place of business sits at 71 South Central Avenue (a 2022 pleading supplies the address, and pleadings age), while its own site lists a phone contact with no street address and a peculiar reticence about the location.

The navigation offers merchant cash advance with revenue based financing and alternate financing. The sweep found no state or federal enforcement action. Private suits naming the company, including a November 2022 Southern District filing preserved through the filed complaint, are company fact sources rather than enforcement actions. The complaint places the office on the second floor at 11580, a specificity the company site does not match.

Match the letterhead to the agreement before answering the letter. What the owner authorizes, or refuses to authorize, should be written before it is sent.

Rapid Finance

Breadth defines Rapid Finance of Bethesda, from East West Highway, with small business loans, merchant cash advance, line of credit, bridge loan, SBA loan, invoice factoring, asset based loans, and commercial real estate loans.

Breadth of menu means breadth of possible letterhead. The enforcement search returned nothing on this name, and nothing found is not the same as nothing existing. Any reply, even briefly worded, should be drafted with counsel. That breadth matters extremely when the letterhead must be matched to the product.

Richmond Capital Group

The list closes with RCG Advances LLC, formerly known as Richmond Capital Group LLC and also doing business as Viceroy Capital Funding and Ram Capital Funding, which sold merchant cash advances to small businesses and nonprofits until regulators ended the operation.

The June 2020 Federal Trade Commission complaint in the Southern District of New York alleged deceptive MCA terms with unfair collections and unauthorized withdrawals. RCG Advances and Robert Giardina received a permanent industry ban with an upfront $1.5 million payment and subsequent payments over $1.2 million for redress under a January 2022 order. Braun faced summary judgment with a permanent injunction and a $20.3 million judgment.

The September 2023 court victory canceled small business debts, and the February 2024 New York judgment above $77,298,631 punished illegal high interest loans disguised as MCAs. Letters like these were the practice, and the judgments are the record.

The letters stop when the paper changes. The list above is an editorial ordering, and the folder decides what the ordering cannot.