Best Companies to Help When an MCA Lender Is Sweeping Your Entire Bank Account Daily — 2026

Top Companies to Stop Full-Balance ACH Sweeps — 2026

When an MCA lender sweeps your entire bank balance daily, it is not collecting a percentage of future receivables — it is taking everything. This distinction is legally significant because it may convert the MCA from a purchase agreement into a loan, triggering usury protections that can void the contract entirely. The firms below are ranked by their ability to stop full-balance sweeps specifically, including ACH revocation, usury challenges, and settlement of the underlying MCA debt.

How Full-Balance ACH Sweeps Work — and Why They Are Different from Normal MCA Collections

To understand why full-balance sweeps are legally problematic, you need to understand how a legitimate MCA is supposed to work versus what is actually happening to your account:

How a legitimate MCA collects. A properly structured merchant cash advance purchases a percentage of your future receivables. The funder is supposed to collect a specified percentage — typically 10–25% — of your actual daily or weekly revenue. If your revenue drops, the payment drops. If you have a slow week, the funder collects less. This revenue-sharing structure is what distinguishes an MCA from a loan — the funder bears the risk that your revenue may decline.

What a full-balance sweep actually does. Instead of collecting a percentage, the funder initiates an ACH debit for your entire available balance every morning — often before you can process payroll, pay vendors, or cover rent. The ACH authorization in your contract may be drafted broadly enough to technically permit this, but the sweep bears no relationship to the percentage of receivables specified in the MCA agreement. Whether your account holds $500 or $50,000, the funder takes it all.

Why this matters legally. The New York usury framework distinguishes between a purchase of future receivables (not a loan) and a transaction with a fixed repayment obligation (a loan). When a funder sweeps your entire balance regardless of your actual revenue, it is collecting a fixed amount — everything — rather than a percentage. Courts including the New York Supreme Court have held in cases like Fleetwood Services v. Ram Capital Funding that MCAs with no genuine revenue-based adjustment are disguised loans. If the effective APR exceeds 25%, the contract is criminally usurious under NY Penal Law §190.40 and void as a matter of law.

Three Steps to Stop Full-Balance ACH Sweeps

Stopping the sweeps requires coordinated action across your bank, the MCA funder, and potentially the court system. Here is the step-by-step approach:

Step 1: Revoke the ACH Authorization. Under NACHA Operating Rules — the rules governing the Automated Clearing House network — you have the right to revoke any ACH authorization at any time by providing written notice to your bank. Your attorney prepares a formal ACH revocation letter, submits it to your bank, and the bank is then obligated to reject future ACH debits from the MCA funder. This can take effect within 1–3 business days. The revocation does not resolve the underlying debt, but it stops the immediate bleeding.

Step 2: Challenge the Sweeps as Unauthorized. If your MCA agreement specifies a percentage of receivables (e.g., 15% of daily deposits) but the funder is sweeping 100% of your balance, the sweeps exceed the contractual authorization. Your attorney sends a formal demand to the funder asserting that the debits are unauthorized and demanding an accounting of all amounts collected. This demand letter establishes the legal record that the funder has been over-collecting — critical for both settlement negotiations and any subsequent litigation.

Step 3: Negotiate or Litigate. With the ACH revoked and the over-collection documented, your attorney enters settlement negotiations from a position of strength. The funder knows that a usury challenge could void the entire contract, and they know that the over-collection creates potential liability for unauthorized electronic fund transfers. Settlements in these situations typically resolve at 30–50% of the claimed balance because the funder’s exposure to a usury ruling far exceeds the settlement discount.

The Usury Defense: Why Full-Balance Sweeps May Void Your MCA Contract

The most powerful legal weapon against full-balance sweeps is the usury defense. Here is how it works:

The reconciliation test. New York courts evaluate whether an MCA is a true purchase of receivables or a disguised loan by asking: does the funder bear any risk that it will not be repaid in full? The key indicator is whether the contract provides for meaningful reconciliation — the adjustment of collection amounts based on actual revenue. If the funder sweeps your entire balance every day, there is no reconciliation. The funder collects everything regardless of your revenue, which means the funder bears zero risk. This transforms the MCA into a loan.

The APR calculation. Once reclassified as a loan, the transaction is subject to New York’s usury caps: 16% civil usury under NY Gen. Oblig. Law §5-501 and 25% criminal usury under NY Penal Law §190.40. Most MCAs have effective APRs of 50–400%. If the APR exceeds 25%, the contract is criminally usurious and void ab initio — meaning it is treated as if it never existed. The borrower owes nothing beyond the original principal received.

Case law support. The landmark Champion Auto Sales v. Pearl Beta Funding decision and subsequent rulings have established that MCAs with fixed daily payments, no genuine reconciliation, and guaranteed repayment structures are loans subject to usury analysis. The NY Attorney General’s $1 billion judgment against Yellowstone Capital further reinforced that MCA funders who structure their products to avoid revenue-sharing while guaranteeing repayment are engaged in lending subject to state regulation.

What to Do in the First 24 Hours

1. Call an MCA defense attorney immediately. Call (212) 210-1851 to speak with Delancey Street’s team, who can engage an attorney and begin the ACH revocation process within hours.

2. Document the sweeps. Download your bank statements showing every ACH debit from the MCA funder. Note the amounts, dates, and remaining balance after each sweep. This documentation proves the funder is taking your entire balance rather than a percentage of receivables.

3. Review your MCA agreement. Find the original contract and identify: (a) what percentage of receivables the funder is supposed to collect, (b) whether the contract includes a reconciliation provision, and (c) the language of the ACH authorization. Your attorney needs these details to build the case.

4. Calculate total payments made. Add up every payment the funder has debited via ACH. In many cases, business owners have already repaid more than the original advance amount — sometimes 1.5x or 2x the principal. If you have already repaid the advance in full, you have been overpaying on what courts may determine is a void contract.

5. Do not close your bank account. Closing the account may be treated as a breach of the MCA agreement and could trigger the funder to file a confession of judgment. Instead, let your attorney handle the ACH revocation — this preserves the account while stopping the unauthorized debits.

The FTC’s Telemarketing Sales Rule prohibits debt settlement companies from charging fees before delivering results. Any firm that asks for upfront payment before stopping the sweeps or settling your debt is violating federal regulations.

Top Companies to Stop Full-Balance ACH Sweeps — 2026

Here are the three top-rated firms serving business owners whose MCA lenders are sweeping their entire bank accounts in 2026. Only one — Delancey Street — offers emergency ACH revocation with attorney-coordinated usury defense. The other two handle broader categories of business debt.