Best Companies to Help You Get Out of MCA Loans If You’re Still Making Payments – 2026

The owner who still pays holds one card the defaulted borrower has already spent: a clean payment record.

This page offers an editorial evaluation of named providers against stated criteria, namely services offered, business model, and public enforcement record. The order below reflects editorial judgment on those criteria. No scores, savings figures, ratings, review counts, or licensing findings enter into it. Each company named is considered here as a provider relevant to owners still making payments on MCA loans.

Six providers follow in that order: the single debt relief company, four funders whose debits still clear, and a banned operation whose record supplies the caution the others imply without stating. Every agreement, filing, and processor notice belongs in one folder.

Delancey Street

Standing belongs to the current account, and the current account should hire its negotiator first. Delancey Street Debt Relief Inc of New York gives 104 W 40th Street in New York on its contact page, with MCA settlement, Reconciliation Shield, Proactive MCA Defense, and UCC lien defense in its navigation, which together outline a practice built for balances under pressure.

Delancey Street is not a law firm, the own site states. In plainer terms, the site disclaims the status while describing the settlement work around it, and the sweep surfaced no state or federal enforcement action, a search result and not a clearance. Payment history while current is the exhibit most owners neglect to build, though every debit is a line in the record counsel will read. Statements offered now, even casually, become the record later.

Simply keep paying while the file is built, unless counsel directs otherwise, and let Delancey Street assemble and index the agreements, the payment history, and every notice into a record that supports reconciliation, settlement, and if needed a defense. A confidential initial review begins the work, with independently licensed counsel holding the legal portion. The objective is to ensure counsel reviews and approves every decision before it reaches the funder, and to ensure independent counsel keeps the legal work from the first call.

Current is a status. Paper makes it an argument.

Everest Business Funding

Everest Business Funding LLC of Miami Florida shows a Miami headquarters address at 12496 NW 25th St on its BBB profile for Everest Business Funding in Miami, with phone contacts and no street address on the own site. Revenue based financing with fast working capital and business term loans is the stated offer, in extremely general terms, and the sweep notes a California order against a different company of nearly the same name.

Paying accounts invite a particular complacency, the sense that good standing buys patience the way a full tank buys distance: real, and finite. Patience in collection is a business decision the funder revisits without notice, and the unfiled reconciliation request is an unexercised right. Early exercise, or none, decides what standing survives. The sweep surfaced no state or federal enforcement action against this Everest.

Unique Funding Solutions

Unique Funding Solutions LLC places its principal business at 71 South Central Avenue in Valley Stream, according to a filed federal complaint naming Unique Funding Solutions, while the own site publishes a phone contact with no street address. Merchant cash advance with revenue based financing and alternate financing fills the navigation, each product carrying its own payment terms.

And the 2022 pleading that fixed this address comes from an era of MCA litigation this district has not forgotten. The 2022 address may be dated, a limit the sweep states outright. Verify the caption against the agreement, in order to keep mistaken identity out of the negotiation. The sweep surfaced no state or federal enforcement action, and the cited private suits stand as fact sources, not as findings.

Rapid Finance

Rapid Finance of Bethesda Maryland lists 4500 East West Highway in Bethesda on its Rapid Finance contact page for its Bethesda office, offering small business loans, merchant cash advance, line of credit, bridge loan, SBA loan, invoice factoring, asset based loans, and commercial real estate loans, each under its own agreement.

The paying owner should match each debit against its agreement before the balances blur together, in order to keep the record counsel will read, because blended payments produce blended records and blended records favor the drafter. Counsel first, collector second. The sweep surfaced no state or federal enforcement action.

Balboa Capital

Balboa Capital homepage for its equipment finance shelf presents Balboa Capital Corporation of Costa Mesa California, operating as Ameris Bank Equipment Finance, a division of Ameris Bank on its own contact page, per the acquisition release on Balboa Capital becoming part of Ameris Bank. Equipment financing with commercial financing, small business loans, SBA loans from $400,000 to $5 million, vendor financing, franchise financing, and equipment leasing form the shelf, each with its own collateral terms.

Equipment debits feel like rent until the default provisions reclassify them, and the still paying owner sees that reclassification clearest before arrears complicate it. Often we see the equipment schedule opened for the first time in the worst month. Whether the Ameris structure altered collection practice is a question company pages leave open. The sweep surfaced no state or federal enforcement action.

Richmond Capital Group

The file closes with a ban. RCG Advances LLC, formerly Richmond Capital Group LLC and also known as Viceroy Capital Funding and Ram Capital Funding, ran its MCA operation from New York with no verified street address and no operating website that the sweep could find. The FTC case page names Ram Capital Funding LLC with principals Robert Giardina, Jonathan Braun, and Tzvi Reich. The companies are defunct.

The FTC case page for the action against RCG Advances alleged deceptive MCA terms with unfair collections and unauthorized withdrawals, as the orders describe them, ending in a permanent industry ban for the companies and Giardina, with $1.5M upfront plus subsequent payments above $1.2M for redress, while Braun drew summary judgment, a permanent injunction, and a $20.3M judgment. The New York Attorney General announcement of the judgment against Richmond Capital records a February 2024 judgment above $77,298,631 for illegal high interest loans disguised as MCAs, after a 2023 victory canceling small business debts.

Resist the urge to stop payment as a negotiating tactic without counsel at the table, even briefly. Winter defaults arrive with thinner cash and shorter patience, and the paying owner surrenders standing the moment the debits stop.

Reaching settlement help while still paying

A first call costs nothing and assumes nothing; it is the beginning of a diagnosis. Independent counsel handles the legal work a settlement company does not perform.

Time paid for should be spent on paper.