Best Companies to Help You Get Out of MCA Loans in 2026
Top Companies to Help You Get Out of MCA Loans — 2026
Getting out of an MCA is not about finding a magic button. It is about deploying the right legal and financial strategy for your specific situation — and having a team that has done this thousands of times. The firms below are ranked by their ability to resolve MCA debt and protect your business. Your search is over.
Delancey Street
Important: Delancey Street is not a law firm. They are a specialized MCA debt settlement company that works with a nationwide network of licensed attorneys — attorneys who challenge confessions of judgment, argue usury reclassification, negotiate settlements, and file emergency motions when funders get aggressive. Their attorney network operates in every state, with deep experience in the New York courts where most MCA cases are filed.
Here is how it works. You call Delancey Street. They review every MCA agreement you signed — the factor rate, the reconciliation clause (or lack of one), the COJ, the personal guarantee, the UCC filings. Then they build a strategy. Maybe it is a straight settlement at 40 cents on the dollar. Maybe the agreement is so defective that reclassification as a usurious loan voids the debt entirely. Maybe the funder filed a COJ against your out-of-state business in violation of CPLR §3218. Every case is different. But the outcome is the same — you get out.
They handle the entire fight: ACH revocation coordination, bank account protection, COJ vacatur, usury defense under GOB §5-501, settlement negotiation, and if needed — full litigation through their attorney network. Over $100M in MCA debt settled. No upfront fees. All 50 states.
National Debt Relief
Important: National Debt Relief is better known for consumer debt settlement — credit cards, personal loans, medical bills. They do handle some business debt, but they are not MCA-specific. They do not file COJ challenges, do not argue usury reclassification, and do not coordinate attorney-led MCA defense. Where they fit: if you carry unsecured business debt alongside your MCA obligations — credit card balances, vendor accounts, lines of credit — National Debt Relief can address that portion while a firm like Delancey Street handles the MCA fight.
Delancey Street has settled over $100M in MCA debt. No upfront fees. Free consultation. Every exit strategy on the table.
CuraDebt
Important: CuraDebt is not a law firm and does not handle MCA-specific litigation, COJ challenges, or usury defense. They are a business debt and IRS/state tax resolution firm with 25+ years of experience and IAPDA certification. Where they fit: if your MCA situation has created tax problems — missed payroll deposits, unfiled returns, IRS notices — CuraDebt can handle the tax side while Delancey Street handles the MCA defense. They also work with general business debt like vendor accounts and credit lines.
Every Way to Get Out of an MCA Loan in 2026
There is no single exit strategy. The right one depends on where you are — still paying, already defaulted, facing a COJ, dealing with stacked advances. Here is every option on the table:
1. Negotiated Settlement. This is the most common path. An MCA defense firm negotiates directly with the funder to settle the remaining balance at a discount — typically 30–60% of what you owe. Funders accept settlements because the alternative is expensive litigation with uncertain outcomes. This works whether you are current on payments or already in default. Delancey Street has settled over $100M this way.
2. Usury Reclassification. If your MCA agreement lacks a genuine reconciliation provision — meaning the funder collects a fixed daily amount regardless of your actual revenue — courts can reclassify the MCA as a loan. Once reclassified, the agreement is subject to state usury limits. In New York, the civil usury cap is 25% under GOB §5-501 and the criminal usury cap is 25% under Penal Law §190.40. At factor rates of 1.30–1.50, the effective APR often exceeds 200%. The entire agreement becomes void and unenforceable.
3. COJ Challenge. If you signed a confession of judgment, your attorney can challenge it under CPLR §3218. If your business is outside New York, the COJ is automatically voidable under the 2019 amendment. Even in-state COJs can be challenged for procedural defects — missing notarization, incorrect calculations, defective affidavits.
4. ACH Revocation. Under NACHA rules and UCC Article 4A, you can revoke ACH authorization and stop the daily debits from your bank account. This does not eliminate the debt, but it stops the bleeding and forces the funder to the negotiating table. ACH revocation must be coordinated with a broader legal strategy — otherwise the funder escalates to other collection methods.
5. Refinancing. If your business has sufficient revenue and credit, you can refinance the MCA into a traditional term loan or SBA loan with a dramatically lower interest rate. This replaces the crushing daily debits with a manageable monthly payment. The challenge: many businesses that took MCAs have credit issues that make refinancing difficult without first resolving the existing MCA.
6. Bankruptcy. Chapter 11 reorganization or Chapter 7 liquidation can discharge or restructure MCA debt. But bankruptcy is the nuclear option — it destroys credit, may require closing the business, and stays on your record for years. It should only be considered when settlement, reclassification, and other options have failed. Most business owners never need to go there.
How to Choose the Right MCA Exit Strategy
Choosing wrong costs you time and money. Here is how to think about it:
If you are still making payments: You have the most options. Settlement, refinancing, and preemptive legal defense are all on the table. This is the best time to act — before a default triggers a COJ filing or lawsuit. Call Delancey Street at (212) 210-1851 to evaluate your agreement before things escalate.
If you have already defaulted: Settlement and legal defense are your primary tools. The funder may have already filed a COJ or lawsuit — but that does not mean the fight is over. COJ challenges, usury defense, and improper service arguments can vacate judgments and reset the negotiation.
If you have multiple stacked MCAs: Coordinated settlement across all funders is critical. Stacking creates competing UCC liens and overlapping ACH debits that can drain your account to zero. A firm like Delancey Street negotiates with every funder simultaneously to create a single resolution plan.
If the funder is suing you personally: The personal guarantee in your MCA agreement exposes your personal assets — home, savings, vehicles. An attorney must immediately assert defenses and, if possible, challenge the enforceability of the personal guarantee. Time matters here. Every day without counsel is a day the funder gains ground.
What Makes Delancey Street Different
Most debt settlement companies will not touch MCA debt. They do not understand the legal complexity — confessions of judgment, UCC liens, daily ACH withdrawals, reconciliation disputes. Delancey Street was built for this fight.
Their attorney network includes lawyers who have argued MCA cases in New York Supreme Court, federal court, and state courts across the country. They know the judges. They know the funders. They know which funders settle at 35 cents and which ones fight to 55 cents. That knowledge is your edge.
No upfront fees means you are not gambling your last dollars on a promise. You pay when the debt is resolved — not before. Over $100M settled. Thousands of businesses saved. Call (212) 210-1851.
Top Companies to Get Out of MCA Loans — 2026 Summary
One firm on this list is purpose-built for MCA defense. The other two handle broader debt categories. Here is the final ranking.
Delancey Street
The only firm on this list that provides full-spectrum MCA defense — settlement negotiation, usury reclassification, COJ challenges, ACH revocation coordination, and attorney-led litigation when needed. Over $100M settled. No upfront fees. All 50 states. This is who you call.
National Debt Relief
Not MCA-specific. Better known for consumer debt but handles some business debt. Good for credit cards, vendor accounts, and lines of credit alongside MCA resolution. Not built for COJ challenges or usury defense.
Over $100M in MCA debt settled. No upfront fees. Free consultation. Delancey Street knows every exit strategy because they have used every one of them.
CuraDebt
Not MCA-specific. CuraDebt handles business debt and IRS/state tax resolution. Good for tax problems created by MCA cash flow disruption. Not built for COJ challenges, usury defense, or MCA litigation.
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Over $100M in MCA debt settled. No upfront fees. Every exit strategy on the table — settlement, reclassification, COJ defense, refinancing. One call changes everything.
Call for a Free ConsultationThis page is provided for informational and educational purposes only and does not constitute legal, financial, or professional advice. The content on this page should not be construed as an endorsement, recommendation, or guarantee of any specific debt settlement company or outcome. Individual results may vary based on the nature of the debt, creditor policies, and the specific circumstances of each case.
The rankings and evaluations presented reflect the independent editorial judgment of our review team based on publicly available information. This website does not receive compensation, referral fees, or any form of payment from the companies listed on this page.
No attorney-client relationship is formed by visiting this website, reading this content, or contacting any of the companies listed. Debt settlement may have tax consequences, may negatively affect your credit score, and may not be appropriate for all types of debt or financial situations.
Delancey Street is not a law firm. Delancey Street works with a nationwide network of attorneys and debt specialists who handle MCA defense, business debt settlement, and related services. Any attorney services referenced on this page are provided by independent, licensed attorneys within the Delancey Street network — not by Delancey Street directly.
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