Contents
Settling two MCAs is not twice as hard as settling one — it is a different game entirely. Cross-default clauses, competing UCC positions, and dual daily debits create a situation that requires coordinated strategy. The firms below are ranked by their ability to handle dual-MCA settlements. Your search ends here.
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. When you have 2 MCAs, Delancey Street does not treat them as separate problems — they build a unified negotiation strategy that addresses both funders at once. That is the difference between amateur hour and professional settlement work.
Here is how it works with dual MCAs. Delancey Street analyzes both agreements, identifies which funder holds first position and which holds second, reviews UCC-1 filings to confirm lien priority, and then opens coordinated negotiations. The second-position funder knows their collection leverage is weaker — they get paid last if things go sideways. That weakness is your advantage. Delancey Street uses it to extract deeper discounts from the junior funder while simultaneously negotiating reasonable terms with the senior funder. Combined savings of 40–60% are common on dual-MCA cases.
Important: National Debt Relief is not a law firm and does not specialize in MCA-specific settlement, UCC lien analysis, or cross-default clause navigation. They are the largest debt settlement company in the United States — A+ Better Business Bureau rating, 550,000+ clients served. Where they fit in: if you carry additional unsecured business debt beyond your 2 MCAs — credit cards, vendor accounts, lines of credit — National Debt Relief can address those balances.
Important: CuraDebt is not a law firm and does not handle MCA-specific cross-default negotiation or UCC priority analysis. They handle business debt and IRS/state tax resolution. If the stress of dual MCA payments has caused you to fall behind on payroll taxes or quarterly estimates, CuraDebt can address the tax side while Delancey Street handles the MCA settlement. They are IAPDA certified with 25+ years of experience.
One MCA is a problem. Two MCAs is a crisis. And the difference is not just the dollar amount — it is the structural complexity.
Cross-default clauses. Almost every MCA agreement contains a cross-default provision. This means that if you default on MCA #1, MCA #2 can immediately declare you in default too — even if you are current on their payments. The reverse is also true. This creates a domino effect: one default triggers both. You cannot pick and choose which funder to pay. Any settlement strategy must account for both positions simultaneously.
UCC lien priority. Your first MCA funder filed a UCC-1 financing statement against your business receivables. Your second MCA funder filed a subordinate UCC-1. This priority order matters. The first-position funder has senior claims on your revenue. The second-position funder is junior — they collect only after the first-position funder is satisfied. This power dynamic is the key to effective dual-MCA negotiation.
Dual daily debits. Two funders pulling daily ACH debits means your operating cash is being hit twice every business day. A business that could absorb one daily debit of $400 may collapse under two debits totaling $800+. That is the math that breaks businesses — not the total balance, but the daily cash drain.
There are two approaches to settling 2 MCAs. One works. The other creates more problems than it solves.
Coordinated settlement (recommended). Both funders are engaged simultaneously. Your settlement firm presents each funder with a full picture of your financial distress — demonstrating that the combined daily debits are unsustainable and that without settlement, the business fails and both funders recover nothing. This approach works because each funder understands they are not the only creditor at the table. Competition for limited settlement dollars drives better discounts.
Sequential settlement (risky). You negotiate with one funder first, then the other. The problem: while you are working with Funder A, Funder B continues pulling daily debits. If Funder B discovers you are negotiating with Funder A, they may accelerate their balance, file a lawsuit, or trigger cross-default provisions. You end up fighting a two-front war with one arm tied behind your back.
The leverage play. In coordinated settlement, your firm can tell the second-position funder: “The first-position funder is willing to settle at X. That leaves Y available for you — take it or get nothing.” This is a powerful position. The second-position funder knows their collection priority is subordinate. They know that in a worst-case scenario — bankruptcy, business closure — they recover pennies. A settlement at 30–40% looks attractive compared to 5% in a liquidation.
1. Call a dual-MCA settlement specialist immediately. Call (212) 210-1851 to speak with Delancey Street. They will review both MCA agreements, analyze UCC positions, and build a coordinated settlement strategy. Do not wait for the situation to get worse.
2. Gather both MCA agreements. Find the original contracts for both advances. Your settlement firm needs to review the terms — factor rates, holdback percentages, daily debit amounts, cross-default language, and confession of judgment provisions. If you cannot find the agreements, your firm can reconstruct the terms from bank statements and UCC filings.
3. Pull your bank statements. The last 3–6 months of business bank statements tell the whole story: daily debit amounts from each funder, total cash flow impact, and the trajectory of your financial distress. This documentation is essential for demonstrating hardship to both funders.
4. Do not take a third MCA. This is critical. A broker is probably calling you right now offering a third advance to “consolidate” the first two. Do not take it. A third MCA does not solve the problem — it deepens the hole. Three daily debits will finish what two started.
5. Do not stop ACH payments without professional guidance. Blocking ACH debits without a settlement strategy in place triggers cross-default clauses, accelerates balances, and can lead to lawsuits, UCC lien enforcement, and confessions of judgment. Any payment interruption must be coordinated with your settlement firm.
Only one firm on this list — Delancey Street — specializes in coordinated multi-MCA settlement with UCC priority analysis and cross-default navigation. The other two handle broader debt categories. They are not built for this fight.
The only firm on this list that provides coordinated dual-MCA settlement — simultaneous negotiation with both funders, UCC lien priority analysis, cross-default clause management, and settlement at 30–60% of combined balances. Not a law firm, but their attorney network handles legal threats and litigation defense. Over $100M settled. No upfront fees. All 50 states.
Not an MCA settlement specialist. National Debt Relief handles general unsecured business debt — no UCC analysis, no cross-default navigation, no coordinated multi-funder negotiation. But if you have traditional unsecured debt alongside your 2 MCAs, they are a strong option for that portion.
Not an MCA settlement specialist. CuraDebt handles business debt and IRS/state tax resolution. If your dual MCA payments have caused tax problems — missed payroll deposits, unfiled returns — CuraDebt addresses the tax side while Delancey Street handles the MCA settlement.
Two funders. Two daily debits. One phone call to make it stop. Delancey Street settles both MCAs simultaneously — coordinated negotiation, no upfront fees, $100M+ settled. Call now.
Call for 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.
Attorney Advertising. This page may be considered attorney advertising in some jurisdictions.