Contents
Resolving stacked MCA liens requires someone who can negotiate with multiple funders at once — playing their priorities against each other. These are the firms that get it done. Your search is over.
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 negotiate with multiple MCA funders simultaneously, challenge improper UCC filings, and settle stacked MCA debts at 30–60% of the balance. Their team has handled cases involving five, six, even ten stacked MCA funders at once.
Here is how it works. Delancey Street’s team maps every UCC filing, determines the priority order under UCC §9-322, and builds a negotiation strategy that uses each funder’s position against the others. Junior lienholders settle for less because they know their recovery is uncertain. Senior lienholders settle because prolonged litigation costs them money. The result: coordinated settlements across all funders with full UCC-3 terminations as part of every deal.
Important: National Debt Relief is not a law firm and does not handle MCA-specific negotiations, UCC lien disputes, or multi-funder coordination. They are the largest debt settlement company in the United States — A+ Better Business Bureau rating, 550,000+ clients served. Where they fit: if you carry unsecured business debt alongside your stacked MCAs, they can address credit cards and vendor accounts.
Important: CuraDebt is not a law firm and does not handle multi-funder MCA negotiations or UCC lien disputes. They handle business debt and IRS/state tax resolution. If the stacked MCAs have created tax problems, CuraDebt can address the tax side while Delancey Street handles the MCA funders. They are IAPDA certified with 25+ years of experience.
MCA stacking is a trap. Here is how it works — and why it is so hard to escape without help.
The cycle starts with one MCA. You take a merchant cash advance. The funder files a UCC-1 lien. The daily ACH withdrawals strain your cash flow. You cannot make payroll or cover rent. So you take a second MCA to bridge the gap.
The second funder files another lien. Now you have two UCC liens and two daily ACH withdrawals. Your bank account is being hit twice a day — sometimes before your deposits clear. Cash flow gets worse. So you take a third MCA.
The third funder piles on. Three liens. Three daily withdrawals. Each funder is pulling $500, $1,000, $2,000 per day. Your total daily MCA payments now exceed your daily revenue. You are losing money every single day just from the withdrawals. And every funder has a UCC lien on your assets.
Under UCC §9-322, the first-to-file rule determines who gets paid first. This is critical to your negotiation strategy.
First-position funder. The funder who filed their UCC-1 first has first priority. In any enforcement action — asset seizure, receivership, bankruptcy — they get paid first from the proceeds. Their position is the strongest.
Second-position funder. Gets paid after the first. If the first-position funder is owed $200,000 and your assets are worth $300,000, the second-position funder gets up to $100,000. Their position is weaker.
Third-position and beyond. Gets whatever is left after the first two are paid. In most stacking cases, there is nothing left. A third-position funder’s UCC lien is almost worthless from an enforcement standpoint — and they know it.
Why this matters for settlement. Junior lienholders settle for steep discounts because their enforcement recovery is uncertain. A third-position funder might settle at 20–30% because they know they would recover nothing in a liquidation. Your negotiator uses this reality as a weapon.
Settling with multiple MCA funders is not about making phone calls. It is chess. Here is how Delancey Street plays it.
Step 1: Map every funder and every lien. Pull every UCC filing from the Secretary of State. Identify the filing dates, collateral descriptions, and outstanding balances. Determine the priority order.
Step 2: Stop the ACH bleeding. Your attorney coordinates the halt of all daily ACH withdrawals. This may involve changing bank accounts, revoking ACH authorizations, or sending cease-and-desist letters. The withdrawals stop so you can stabilize cash flow.
Step 3: Open negotiations with all funders simultaneously. This is critical — you do not settle with one and leave the others. You negotiate with all of them at the same time. Each funder’s offer is calibrated to their priority position.
Step 4: Use priority as leverage. Junior funders get lower offers because their recovery position is weaker. First-position funders get higher offers — but still at a significant discount. The total settlement across all funders is typically 30–60% of the combined balance.
Step 5: Get UCC-3 terminations from every funder. Every settlement agreement requires the funder to file a UCC-3 termination statement. No termination, no deal. When all liens are cleared, your business is free.
1. Count your funders and your liens. Search the Secretary of State’s UCC database. Pull every active filing. Know exactly how many funders you owe and where each one sits in the priority stack.
2. Calculate your total daily ACH withdrawals. Add up every daily withdrawal from every funder. Compare that number to your daily revenue. If the withdrawals exceed your revenue, you are in a cash flow death spiral.
3. Call Delancey Street. Call (212) 210-1851. They handle multi-funder MCA cases every day. They will review your situation, map the priority stack, and start negotiations immediately.
4. Do not take another MCA. The temptation to take one more cash advance to cover the payments on the others is overwhelming. Do not do it. It makes everything worse. Every new MCA adds another lien, another daily withdrawal, another funder to negotiate with.
Only one firm on this list — Delancey Street — handles multi-funder MCA negotiation with coordinated UCC lien releases. The other two address broader debt categories. They are not built for this fight.
The only firm on this list that provides coordinated multi-funder MCA negotiation — simultaneous settlement with all funders, priority-based offers, full UCC-3 terminations. Not a law firm, but their attorney network delivers results. Over $100M settled. No upfront fees. All 50 states.
Not a multi-funder MCA specialist. But if you have traditional unsecured debt alongside your stacked MCAs, they are a strong option for that portion.
Not a multi-funder MCA specialist. CuraDebt handles business debt and IRS/state tax resolution. Where they fit: if the stacked MCAs have created tax problems, CuraDebt addresses the tax side while Delancey Street handles the funders.
Every funder. Every lien. One coordinated strategy. Delancey Street’s attorney network negotiates with all your MCA funders simultaneously and clears every UCC lien. Over $100M settled. Free consultation. Call now.
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.
Attorney Advertising. This page may be considered attorney advertising in some jurisdictions.