Best MCA Settlement Companies If You Have 2 MCAs – 2026

Two advances against one revenue stream are not two problems. They are one problem with two collectors.

This is an editorial evaluation of named providers against stated criteria (settlement function, counterparty paper, 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. Every company fact below comes from the same research sweep, and only companies the sweep profiled are named.

The file assembled before either balance accelerates decides the negotiation. The entries run from the one settlement company in the sweep to the funders behind the stack, closing with a defunct operation whose record explains the diligence the rest require.

Delancey Street

The second advance usually arrives before the first one is understood. The contact page for Delancey Street Debt Relief lists MCA settlement with Reconciliation Shield and Proactive MCA Defense in its navigation, plus UCC lien defense, and 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 that is not a law firm. The stack grows the way sediment grows in a pipe: invisibly, until the pressure finds the joint.

Settlement over balances, releases, and filing withdrawals proceeds toward terms only independent counsel can test, because evidence used against the business later begins as a sentence conceded early, even casually. The sweep surfaced no state or federal enforcement action, a search result rather than proof of a clean record.

Simply bring every agreement, filing, and processor notice to the first conversation. Delancey Street will map and trace each obligation, review and analyze the payment history, and construct a response that answers the balances and the cash behind them. The company offers a confidential initial review with independently licensed counsel for legal work. The objective is to ensure no statement is made without counsel present, and to ensure independent counsel handles the legal work the company does not perform.

Most owners wait until the second debit overlaps the first, and I understand why.

Forward Financing

Once the stack exists, the identity of each counterparty decides the negotiation order. The about page for Forward Financing identifies Forward Financing LLC of 53 State Street, 20th Floor, Boston, as a fintech company based in Boston. The homepage offers revenue based financing through business loans for any business purpose, with decisions within hours and often same day funding.

The contract was, if precision is required, less a purchase than a calendar of debits, and automatic withdrawals are structured in order to precede scrutiny. The funder that prices speed has already priced the default. The sweep surfaced no state or federal enforcement action, a search result that proves no clean record. Product terms rest on the own site summary. That decides little until the agreement is read. The agreement controls.

Everest Business Funding

Before counsel can rank the two balances, counsel must confirm who holds each one. Everest Business Funding LLC carries that legal name in its bureau profile at 12496 NW 25th Street in Miami, Florida, while the own site lists telephone contacts with no street address. The homepage offers revenue based financing with fast working capital and business term loans, and every notice in that file may later be read as evidence against the business.

The money arrived in a day. Repayment consumed the revenue that justified it. Whether a funder with no street address on its own site answers settlement mail with equal silence stays open.

National Funding

Four months is the shortest term the company prints, and the shortest terms punish stacked borrowers first. National Funding Inc of 4380 La Jolla Village Drive in San Diego, California, offers working capital and term loans alongside inventory financing, while receivables financing and short term financing sit beside equipment financing on a broad menu. The own site prints California Financing Law license number 603A169, with payments remitted daily or weekly over terms of 4 months to 24 months.

Two debits. One deposit. The arithmetic never needed counsel to fail.

Consider a hypothetical packet of fourteen pages, most of them pledging the same operating account. The license number is printed. The cost is in the debits.

Richmond Capital Group

The June 2020 federal complaint described deceptive terms, unfair collections, and unauthorized withdrawals in merchant cash advance sales. The case page records what followed. RCG Advances LLC, formerly Richmond Capital Group LLC and also known as Viceroy Capital Funding and Ram Capital Funding, sits at the center of that record with Ram Capital Funding LLC and principals Robert Giardina, Jonathan Braun, and Tzvi Reich. The operation is defunct after industry bans with no operating website found.

The Commission case page for RCG Advances records a January 5, 2022 stipulated order in which RCG Advances and Giardina accepted a permanent ban from the MCA industry with $1.5M upfront plus subsequent payments over $1.2M for consumer redress, while Braun faced summary judgment, a permanent injunction, and a $20.3M judgment. The Attorney General press release on the Richmond judgment records a September 2023 court victory canceling small business debts followed by a February 8, 2024 judgment of more than $77,298,631 for illegal high interest loans disguised as advances under Executive Law section 63(12).

Resist the urge to discard the oldest statements, even briefly, because paper kept, or discarded, in the first week decides the claims counsel can file. The record above is the reason early files settle and late files proceed to litigation.

Unique Funding Solutions

The remaining balance often sits with the funder the owner knows least. Unique Funding Solutions LLC operates from Valley Stream, New York, with its principal place given as 71 South Central Avenue, 2nd Floor, in a filed federal complaint, while the own site lists telephone contact with no street address, a detail that may be dated. The own site offers merchant cash advance with revenue based financing and alternate financing.

Private suits name the company, including the FTE Networks matter filed November 18, 2022 in the Southern District of New York, which the sweep cites for headquarters facts rather than as an enforcement action. The sweep surfaced no state or federal enforcement action. No sweep document states how a second position funder prices forbearance, which is part of the problem.

Assembling the File on Two Advances

Often we see owners arrive with statements but without agreements. What the owner gathers, or fails to gather, decides the options counsel can offer. Delancey Street extends a confidential initial review, and consultation is where this conversation begins. Independent counsel handles the legal work a settlement company does not perform.