Preserve every notice
Save emails, texts, call records, default notices, ACH attempts, bank statements, and the original contract.
MCA Default Help
Missed an MCA payment? Start with facts, documents, and qualified advice.
A missed payment can feel urgent. Avoid assumptions about what a lender can or cannot do. Organize the contract and cash-flow facts first, then ask an appropriately qualified professional to review your situation.
Start the Free Assessment →First steps after a missed payment
Map your cash flow
List revenue, payroll, taxes, essential operating costs, and every advance withdrawal. Do not hide the full picture.
Ask for qualified review
An attorney can assess legal rights and obligations. A financial professional can help model sustainable cash flow. The website cannot replace either.
Questions that change the analysis
Is there a personal guarantee?
Review who signed, what obligations were guaranteed, and what the agreement says about default.
Are there UCC filings?
Understand whether a filing exists and what it means. A filing is not the same as an automatic right to take every asset.
What does reconciliation say?
Look for the process and evidence required to request a payment adjustment when revenue changes.
Urgent legal action: If you received a lawsuit, confession-of-judgment notice, levy, or other legal document, contact a licensed attorney promptly. Do not rely on a marketing website for legal advice.