A Merchant Cash Advance (MCA) can feel like a lifeline—but it often turns into a financial trap. If you’re paying hundreds or thousands per week, this blog is for you.

What Is an MCA?

An MCA is a fast lump-sum cash advance where repayment happens daily or weekly, directly from your sales. The appeal? No collateral and quick approval.

The downside? Sky-high fees and daily cash flow pressure.

Why MCAs Are So Dangerous

• They aren’t loans – so there’s little regulation

• The factor rate (not APR) makes them extremely expensive

• Daily/weekly withdrawals choke your operating capital

• Multiple MCAs create a debt spiral

How to Escape the MCA Trap

Modifi Financial specializes in MCA resolution, and we’ve helped hundreds of businesses:

• Pause or reduce daily payments

• Consolidate multiple MCAs into one manageable plan

• Negotiate better terms with funders

Real Client Story

“We had three MCAs draining us daily. Modifi helped us negotiate them down and got us back on track. We wouldn’t have made it without them.”
— Raj S., Restaurant Owner

Don’t Let an MCA Destroy Your Business

MCA debt gets worse the longer you wait. The sooner you act, the more leverage we have to help.

Talk to a Specialist About MCA Relief