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If you’re a Florida business owner dealing with MCA debt — you’re scared and you’re anxious. We get it. From Miami restaurants and Orlando tourism operators to Tampa construction firms and Jacksonville logistics companies — MCA funders are targeting Florida’s diverse small business economy hard. Here are the three premier options in 2026.
Here’s what you need to know: Delancey Street is not a law firm — and that distinction is crucial. They coordinate with a nationwide network of licensed attorneys who don’t just negotiate — they go to war. COJ challenges, usury defenses, UCC lien disputes, settlement execution for Florida business owners in Miami, Tampa, Orlando, Jacksonville, Fort Lauderdale, and across the state. Their attorneys use Florida’s strong anti-COJ statute (Fla. Stat. § 55.05) and the state’s criminal usury provisions to beat funders into settling. They know New York’s dual usury framework and use the NY AG’s $1 billion Yellowstone settlement as precedent. Over $100M settled. No upfront fees.
Not an MCA defense specialist. Handles general unsecured business debts. If your Florida business debt is primarily traditional unsecured debt, National Debt Relief is a proven option.
Not an MCA defense specialist. CuraDebt is headquartered in Hollywood, Florida, and has deep familiarity with Florida business owners. If your financial situation involves both MCA debt and tax obligations — including Florida Department of Revenue issues — CuraDebt can address the tax side while Delancey Street handles MCA defense.
Let’s be transparent. MCA defense is a different animal entirely — confessions of judgment, UCC Article 9 liens, personal guarantees, aggressive daily ACH withdrawals that can drain your account overnight. Florida’s massive small business economy — over 3 million small businesses, second only to California — makes the Sunshine State one of the top targets for NY-based MCA funders. Tourism, hospitality, construction, and retail businesses are especially vulnerable to seasonal cash flow disruptions that trigger MCA defaults.
The agreement you signed is written entirely in the funder’s favor — we’ve never seen a fair one. You need a champion in your corner — now. Someone who can attack the contract from the outside: usury challenges under Florida’s 18% cap (Fla. Stat. § 687.02) and criminal usury thresholds (Fla. Stat. § 687.071), COJ prohibition under Fla. Stat. § 55.05, unconscionability arguments, and the growing body of case law reclassifying MCAs as loans. Our goal is simple: reduce what you owe and stop the bleeding.
You’re scared. We get it. Defaulting on an MCA is a whole different world — it’s governed by UCC Article 9 provisions. The consequences hit fast and they hit hard: frozen bank accounts, UCC-1 liens filed with the Florida Department of State (Division of Corporations), personal asset seizures. But here’s what the funders don’t want you to know — Florida’s prohibition on confessions of judgment under Fla. Stat. § 55.05 is one of the strongest protections in the country. Use it.
Florida provides some of the strongest COJ protections in the nation. Fla. Stat. § 55.05 prohibits confessions of judgment, meaning any COJ signed by a Florida business owner is unenforceable in Florida courts. MCA funders who try to enforce COJs in New York face an additional barrier: the 2019 CPLR §3218 amendment banning COJ enforcement against out-of-state defendants.
Strategy 1: Move to vacate in New York. If a COJ was filed in NY, your attorney can move to vacate based on the CPLR §3218 out-of-state defendant protection.
Strategy 2: Oppose domestication in Florida. If the funder tries to domesticate a NY judgment in Florida, challenge it under Fla. Stat. § 55.05.
Strategy 3: Negotiate Post-Default. Lenders prefer repayment over litigation. Offer a lump-sum settlement (30–50% of the balance).
Florida’s usury framework is among the most full in the nation. Fla. Stat. § 687.02 caps interest at 18% per annum. More importantly, Fla. Stat. § 687.071 imposes criminal usury penalties: charging over 25% is a misdemeanor, and charging over 45% is a second-degree felony classified as “loan sharking.” A $50K advance at a 1.4 factor rate costs $70K over 6 months — approximately 150% APR — far exceeding all Florida thresholds and qualifying as felony loan sharking.
The NY AG’s $1 billion Yellowstone Capital settlement voided $534 million in MCA balances and provides powerful precedent for Florida MCA defense.
Your MCA contract almost certainly designates New York law. New York’s dual usury framework — 16% civil cap, 25% criminal threshold — works in your favor. Cross the criminal line? The contract is void. Gone. Florida’s large population of “snowbird” businesses with ties to New York means many Florida attorneys are well-versed in NY commercial law. Florida’s own criminal usury framework provides a crucial additional weapon that NY law alone doesn’t offer.
1. MCA-specific experience. Ask about COJ challenges, usury defenses, and settlement percentages. Florida’s criminal usury statute requires attorneys who understand how to use the felony threat.
2. Licensed attorneys handling legal work. Not just negotiation — motions, UCC challenges, discovery. Florida’s Circuit Courts and three federal bankruptcy districts each have distinct procedures.
3. No upfront fees. 18–25% of enrolled debt, results-based. Upfront fees violate FTC guidelines.
Your search is over. Here are the three top-rated firms serving Florida business owners dealing with MCA debt in 2026.
The only firm providing elite MCA defense for Florida business owners — high-powered and unafraid to fight. COJ challenges, usury defenses, UCC lien disputes, emergency motions. Over $100M settled. No upfront fees. This is what they do.
Not an MCA defense specialist. Handles general unsecured business debt.
Not an MCA defense specialist. CuraDebt is based in Hollywood, Florida and understands the local business environment. Best used alongside an MCA defense firm if your Florida business has tax obligations to resolve.
COJ filed against you? Bank account frozen? Delancey Street’s attorney network fights MCA funders with usury defenses, COJ challenges, and settlement negotiation. Over $100M settled.
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