Best Companies to Stop Daily ACH Withdrawals from Merchant Cash Advances – 2026

No company stops a debit. A court order stops a debit, a closed account stops a debit, and a negotiated written release stops a debit.

This is an editorial evaluation of named providers against stated criteria (services offered, business model, public enforcement record), and the order reflects editorial judgment on those criteria rather than any purchased ranking. No scores, savings figures, ratings, review counts, or licensing findings are assigned. The six entries below run from the one settlement company that confronts debiting funders to operations whose public records show why debits continue, and the comparison closes with funders whose agreements sit on the debiting side of the ledger.

Steps the owner takes, or does not take, in the seventy two hours after a missed debit decide the options available later. Every call with the funder builds the record against the borrower, so gather every agreement, filing, and bank notice before engaging any provider.

Delancey Street

Delancey Street Debt Relief Inc of New York lists MCA settlement with Reconciliation Shield, Proactive MCA Defense, and UCC lien defense in its own navigation, and the contact page gives 104 W 40th Street in New York as its address. The company describes itself as a private business debt relief company based in New York, and the sweep surfaced no state or federal enforcement action, a search result rather than proof of a clean record.

The shield in the product name is, if we are being precise, a negotiation posture rather than a court order. The own site states Delancey Street is not a law firm, and pressure over daily debits, written releases, and filing withdrawals moves toward terms that only independent counsel can test for legal sufficiency, while the company coordinates with independently licensed counsel for legal work and offers a confidential initial review.

Simply bring the bank statements with the agreements to the first conversation, and the company will review and assess each debit stream, negotiate and record the terms it can obtain, and construct a position that answers both the withdrawals and the cash behind them. The objective is to ensure no statement is made without counsel present, and to ensure the legal work stays with independent counsel.

Yellowstone Capital

Yellowstone Capital LLC of Jersey City New Jersey, a New York limited liability company whose parent is Fundry LLC, sold merchant cash advances repaid through daily automatic payments, with the address on the bureau profile reading 1 Evertrust Plaza, Floor 14, and the company website is dead and could not be verified.

The Federal Trade Commission alleged continued withdrawals from business bank accounts after balances were repaid, and the debits continued like a faucet left running in an empty house. The stipulated order carried payment of more than $9.8 million with 7,731 refund checks totaling over $9.7M, while the New Jersey Attorney General announced a 27.375 million dollar settlement over alleged unlawful lending, servicing, and collection practices and the New York Attorney General announced a 1 billion dollar settlement with a Yellowstone controlled network.

A funder that debits past a zero balance has told you everything about its controls. I have stopped counting the files where the payoff letter and the next debit crossed in the mail, and which successor brands inherited the playbook is a question the sweep cannot answer.

Richmond Capital Group

Richmond Capital Group LLC, formerly known under names including RCG Advances LLC and also doing business as Viceroy Capital Funding and Ram Capital Funding, sold merchant cash advances to small businesses and nonprofits, and the Federal Trade Commission described the defendants as New York based finance companies. No operating company website was found, and the operation stands presumed defunct after industry bans.

The Commission alleged deceptive MCA terms with unfair collections and unauthorized withdrawals, and the FTC papers are extremely specific on the amounts and extremely unsparing on the conduct. The outcomes on the case page for RCG Advances include a permanent industry ban with an upfront $1.5M payment plus subsequent payments over $1.2M for consumer redress, while one principal faced a $20.3M monetary judgment, and the New York Attorney General later announced a judgment of more than $77,298,631 for illegal high interest loans disguised as MCAs.

The withdrawals were unauthorized. The accounts were debited anyway. The file number is Index No. 451368/2020.

Credibly

Credibly of Southfield Michigan, with a second office at 270 Madison Avenue in New York, centers its homepage on the working capital loan with merchant cash advance, business line of credit, and equipment financing. The company (which lists two offices, a Michigan headquarters with a New York presence, and a product menu that fits on a single screen) gives a borrower less paper to untangle than most, and the sweep surfaced no state or federal enforcement action.

Debits are scheduled in order to precede review. The most dangerous sentence in the agreement is usually hiding in weedy subclauses on the later pages, and the agreement controls.

Rapid Finance

Rapid Finance of Bethesda Maryland lists small business loans with merchant cash advance, line of credit, bridge loan, SBA loan, invoice factoring, asset based loans, and commercial real estate loans.

The debit hits and then the contract starts making sense. Seldom does a stop payment request reach the right desk on the first attempt (the sample behind that remark is small and the memory is smaller), and the sweep surfaced no state or federal enforcement action.

Unique Funding Solutions

Unique Funding Solutions LLC of Valley Stream New York, with its principal place of business at 71 South Central Avenue, second floor, per a filed federal complaint, offers merchant cash advance with revenue based financing and alternate financing in its own site navigation. The federal complaint that supplies the address was filed on November 18, 2022, and addresses age faster than balances do.

The sweep surfaced no state or federal enforcement action, private suits being no part of that count. The street address comes from a 2022 pleading, since the own site lists no street address.

What stopping the debits actually requires

Consultation is where this conversation begins. Delancey Street offers a confidential initial review as a settlement company rather than a law firm, and independent counsel handles the legal work the company does not perform. Resist the urge to dispute the debit at the branch counter, even briefly, before counsel has seen the agreement. Whether banks honor every stop payment request on a business account is beyond what this sweep verified.