MCA Claim Recovery — On Contingency
We pursue claims against merchant cash advance companies
MainSt Claims reviews merchant cash advance transactions for potential claims and pursues qualifying matters on a contingency basis, working with business owners, bankruptcy trustees, receivers, and their advisers. There is no upfront cost — if there is no recovery, there is no fee.
Not sure whether you have a claim? Start with your financing agreements and payment history. We will review the information at no cost and tell you whether we see a claim worth pursuing.
No-cost initial review. No obligation to proceed. Any engagement occurs only under a written contingency agreement.
No upfront cost — we only get paid if you recover.
Qualifying claims are pursued on a contingency basis under a written agreement. If there is no recovery, there is no recovery fee.
Start with the records you have.
You do not need a fully developed case to begin the conversation. Agreements and payment records are a useful starting point.
You decide whether to proceed.
A submission does not commit you to anything. You and your advisers review the proposed contingency agreement before deciding.
What Borrowers Tell Us
Many businesses contact us years after receiving MCA funding. Although every situation is different, the themes below appear repeatedly.
“I never expected to repay that much.”
“The withdrawals became impossible to manage.”
“I didn't understand the confession of judgment.”
“No one explained how reconciliation actually worked.”
“The collection process was very different than I expected.”
“I thought my only option was to keep paying.”
“I still don't know whether I was treated fairly.”
Illustrative of concerns commonly raised by MCA borrowers — not client testimonials.
Claims Arising From
MCA Financing
We review merchant cash advance agreements, payment histories, renewals, and collection activity to evaluate whether there is a claim worth pursuing. Matters may come to us through the business itself or through an authorized representative.
A claim is a potential right to recover money or obtain another remedy from a financing provider based on the facts and applicable law.
Multiple advances or renewals
Several advances from one funder, or stacked positions across funders, with renewals or refinancings along the way.
Daily or weekly debits
Fixed daily or weekly withdrawals that continued regardless of how the business's revenue actually performed.
Reconciliation questions
Payment-adjustment or reconciliation provisions that were requested, refused, or never clearly available in practice.
Differences between agreed and collected amounts
Collected totals that appear to differ from what the agreement described, including fees or charges that were unclear at signing.
Collection litigation or judgments
Lawsuits, confessed judgments, UCC notices to customers or processors, or frozen accounts connected to the financing.
Distress following the financing
Restructuring, receivership, bankruptcy, or a wind-down in which MCA transactions were part of the picture.
These circumstances do not by themselves establish a legal claim. Each matter requires individual review.
Contingency Basis —
No Upfront Cost
We only get paid if we recover money for your business. If there is no recovery, there is no recovery fee. Qualifying matters are pursued under a written contingency agreement that you and your advisers review before anything begins.
If a recovery is obtained, attorney fees are paid first and the remaining recovery is split 50/50 between your business and MainSt Claims, pursuant to the terms of the written agreement. Terms are specific to each matter and are yours to accept, negotiate, or decline.
What We Review
Evaluation is how we decide what to pursue. We review the full lifecycle of the transaction to understand what was signed and what actually occurred — and whether the difference supports a claim worth pursuing.
MCA Agreements
Funding agreements, addenda, guarantees, and UCC filings examined for what was signed and how the transaction was structured.
Payment History
ACH withdrawal patterns and cumulative payments reviewed against what the agreements actually provided for.
Reconciliation Provisions
Whether reconciliation rights were genuinely available and properly applied — and how the gap between contract and practice bears on a potential claim.
Default Notices
Default declarations and acceleration notices reviewed for their basis, timing, and practical effect on the business.
Collection Communications
Collection correspondence and agent contact reviewed against what the agreements and applicable rules provide.
Litigation Records
Filed proceedings, judgments, and enforcement activity reviewed as part of evaluating a potential claim.
Bankruptcy Filings
Schedules, proofs of claim, and MCA creditor activity reviewed where a business or estate holds potential claims.
Settlement Agreements
Prior settlements reviewed for what was resolved, what was released, and what may remain open.
How It Works
Three steps from first contact to a decision that stays entirely in your hands.
Share the information
Tell us about the business, the financing, and your role. Provide the agreements and supporting records you have available.
We review at no cost
We review the materials to determine whether there is a claim worth pursuing, including the potential recovery our analysis identifies. We may request additional information.
Consider a contingency agreement
For matters that qualify, we propose a written contingency agreement — no upfront cost. You and your advisers decide whether to proceed.
Any engagement is subject to diligence, a written contingency agreement, and any required approvals.
For Business Owners and the
Professionals Acting for Them
Business owners & company representatives
Used merchant cash advances? Submit your transactions for a free initial review — even if you have not identified a specific claim.
Start an owner inquiryTrustees, receivers, attorneys & advisers
Discuss potential claims held by a business or estate, including matters requiring additional investigation before a decision to pursue.
Start a professional inquiryBoth paths lead to the same confidential intake, with your role preselected and editable. Representative capacity and authority are reviewed as part of diligence.
About MainSt Claims
MainSt Claims reviews merchant cash advance transactions for potential claims and pursues qualifying matters on a contingency basis. Our role is to evaluate matters on their records, decide whether they are worth pursuing, and — when they are — put a proposed contingency agreement in front of you and your advisers.
Commercial Finance Expertise
Deep understanding of merchant cash advance structures, economics, documentation, and industry practices — developed through extensive exposure to MCA transactions across the full range of borrower circumstances.
Distressed Situations Experience
Experience evaluating situations where contractual obligations, financial distress, enforcement activity, and open questions intersect — including matters held by estates, receivers, and liquidating entities.
A Disciplined Evaluation Process
Each matter is reviewed on its own record: the agreements, the payment history, and the surrounding facts. We request what we need, explain what we are evaluating, and do not ask anyone to commit before terms exist to consider.
Your Advisers Are Welcome
We work alongside the attorneys, accountants, and restructuring professionals already involved. MainSt is not your law firm and does not replace your counsel — proposed terms are theirs to scrutinize.
Questions, Answered Plainly
What does MainSt pursue?
Qualifying claims against merchant cash advance providers — potential rights of recovery arising from MCA transactions. We do not collect MCA debt for funders and do not provide debt settlement or debt relief.
Do I need to know whether I have a claim?
No. Your agreements and payment records are the starting point; we review them to evaluate whether there is a claim worth pursuing. A review does not guarantee that a claim exists or that we will propose an agreement.
Do I need an existing lawsuit?
No. An inquiry can begin before any lawsuit is filed. Whether we pursue a matter depends on our review of the specific facts.
What information should I provide?
Whatever you have available: financing agreements, payment records, funder names, and relevant non-privileged collection or litigation documents. Missing documents should not stop you from making an initial inquiry.
Does it cost anything to get started?
No. The initial review is free, and there is no upfront cost at any stage — if there is no recovery, there is no recovery fee. The review is not legal advice or unlimited analysis, and MainSt is not your law firm.
How does MainSt get paid?
Only out of a recovery. If a recovery is obtained, attorney fees are paid first and the remaining recovery is split 50/50 between your business and MainSt Claims, pursuant to the terms of the written agreement.
Am I obligated to proceed?
No. Submitting information is not a commitment. Any engagement happens only through a separate written contingency agreement that you and your advisers have reviewed.
Can my attorney or adviser participate?
Yes — we welcome it. MainSt does not replace your counsel or advisers, and we are glad to work with them throughout the process.
Can a business that has closed or entered bankruptcy inquire?
Yes — an appropriate representative can inquire. Ownership, authority, and any required approvals are part of the review; an inquiry does not establish eligibility.
Will submitting stop withdrawals or collection activity?
No. Submitting information does not change payment obligations, pause collection proceedings, or affect legal deadlines. For questions about your obligations, consult your own counsel.
What happens if there is a recovery?
Your business receives its agreed share under the written agreement. Depending on the facts and available legal remedies, the process may also address related issues such as UCC filings or liens, personal guarantees, and judgments.
How is submitted information handled?
Submissions are stored in access-controlled systems and reviewed by our team for evaluation purposes only. Submitting through this form does not create attorney–client privilege, an NDA, or absolute confidentiality.
Have an MCA claim — or transactions worth reviewing?
Send us the information you have. We will review it at no cost and tell you whether we see a claim worth pursuing.
Submission does not obligate either party. No recovery, no fee.