Best Companies to Unfreeze a Bank Account Frozen by an MCA Lender – 2026

A frozen account is a negotiation conducted without words.

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 answers restraint pressure to operations whose public records show what frozen funds cost, and the comparison closes with funders whose MCA paper produces such freezes.

Steps the owner takes, or does not take, in the first days decide the posture of every later call. The notices keep arriving either way, so gather every agreement, restraint paper, 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, which reports a search result and proves no clean record.

By the time the account froze, the file had already chosen its shape.

The own site states Delancey Street is not a law firm. The freeze notice (which the funder will describe as routine account administration) changes the posture of every later call, and response over restrained funds, 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 restraint notice with the agreement to the first conversation, and the company will map and sequence each obligation, negotiate and memorialize the terms it can obtain, and construct a position that answers both the frozen balance and the cash behind it. The objective is to ensure no statement is made without counsel present, and to ensure the legal work stays with independent counsel. The call usually comes on a Friday afternoon, which explains the tone on both ends.

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.

But the relevance here is the ending rather than the operation. The Commission alleged deceptive MCA terms with unfair collections and unauthorized withdrawals, and 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. The New York Attorney General later announced a judgment of more than $77,298,631 for illegal high interest loans disguised as MCAs, following a 2023 court victory canceling small business debts.

The balance was intact. The money was gone. A lender that freezes first and itemizes later has skipped the part of the relationship where trust lived.

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 stipulated order carried payment of more than $9.8 million with 7,731 refund checks totaling over $9.7M. That, in brief, is the whole lesson of the frozen account files: the paper mattered less than the posture. The New Jersey Attorney General announced a 27.375 million dollar settlement, and the New York Attorney General announced a 1 billion dollar settlement with a Yellowstone controlled network carrying over $534M in debt cancellation.

The account sits like a pond under early ice: visible, intact, and entirely untouchable. The records here are extremely detailed on judgments and extremely thin on how frozen funds were actually released (the files are few and the pattern is impressionistic).

Radium2 Capital

Radium2 Capital LLC of Uniondale New York, styled as Radium2 Capital Inc in federal litigation, carries the address 300 RXR Plaza, Suite 300, on its bureau profile in the factoring services category without accreditation. The company is a New York corporation with its principal place of business in New York, per the own memorandum as quoted by the court, and it bills itself as a merchant cash advance company in its own filing as quoted in the federal opinion in NDGS LLC v Radium2 Capital Inc, which is cited here for company facts rather than as an enforcement action.

The company website is currently a parked domain and could not be verified. The sweep surfaced no state or federal enforcement action, and older files in the cabinet read differently from files opened this year.

Everest Business Funding

Everest Business Funding LLC of Miami Florida offers revenue based financing with fast working capital and business term loans, and the street address rests on a bureau profile because the own site lists phone contacts but no street address. Funds are restrained in order to force conversation, and the posture after a freeze is lopsided by design.

The sweep surfaced no state or federal enforcement action. The freeze is the negotiation until counsel changes the participants.

Unique Funding Solutions

Unique Funding Solutions LLC of Valley Stream New York keeps its principal place of business at 71 South Central Avenue, second floor, per a filed federal complaint, and the own site navigation offers merchant cash advance with revenue based financing and alternate financing.

Only after the freeze does the borrower read the agreement in full. I am less certain about the second half of that sentence than the first, and the sweep surfaced no state or federal enforcement action.

Getting the account released

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 call the bank manager directly, even briefly, before counsel has read the restraint papers.