MCA & Business Debt Relief in Arizona
Century Relief helps Arizona business owners settle and restructure merchant cash advance (MCA) and business debt. We work with businesses in Phoenix, Tucson, Mesa and Scottsdale and across the state, and the rules below shape what funders can do and how we negotiate.
| Arizona at a glance | |
|---|---|
| MCA disclosure law | No |
| Confessions of judgment | Pre-signed clauses generally void |
| Usury as a lever | Limited for business borrowers |
| Where we work | Phoenix, Tucson, Mesa and Scottsdale and statewide |
In Arizona, MCA debt shows up most often among businesses in health care, restaurants, construction and professional services. Whether you're in Phoenix, Tucson, Mesa and Scottsdale or a smaller town, the process is the same and happens by phone and video.
Default, lawsuits and judgments in Arizona
Most MCA agreements treat a missed or blocked payment as a default. The funder may demand the full balance, contact you and any guarantor, and try to collect through the courts. Most contracts choose New York law and New York courts, but a judgment obtained there can be brought to Arizona and used to levy your bank accounts.
Good news on one front: Arizona allows a judgment by confession only if the power to confess was signed after the debt came due (A.R.S. § 44-143), which rules out the clauses signed at closing. For a Arizona business, that means a funder generally has to file a lawsuit and win it before it can garnish your accounts here, which buys time to negotiate.
Arizona rules that affect your settlement
Disclosures. Arizona has no MCA-specific disclosure law, so funders aren't required to show you a standardized total cost or APR. We calculate it for you during your review.
Interest limits. Arizona allows any rate agreed in writing. Our leverage usually comes from your cash-flow reality, reconciliation rights and the cost of collection to the funder.
Worth knowing: Don't sign a new confession of judgment as part of a workout without legal advice; one signed after default can be valid in Arizona.
Nothing here is legal advice. If you've been sued or served, talk to an attorney; we can work alongside one.
How MCA debt relief works with Century Relief
- Talk to us first. A free consultation covers your advances, your revenue and your goals.
- Build a plan. Settlement, restructuring or refinancing, depending on what your numbers support.
- Work the funders. We handle the negotiations so you can run your business.
- Finish clean. Written settlements, paid-in-full letters and UCC terminations.
Ready to see your options? Get a free review of your MCA debt, or read the five main MCA relief options.
Frequently asked questions
Can MCA debt be settled in Arizona?
Yes. MCA funders in Arizona, as elsewhere, often accept reduced payoffs or longer payment plans when a business can't keep up with the original debits. The outcome depends on your contracts, your revenue and how many funders are involved.
Can an MCA funder get a judgment against my Arizona business without a lawsuit?
Arizona allows a judgment by confession only if the power to confess was signed after the debt came due (A.R.S. § 44-143), which rules out the clauses signed at closing. For a Arizona business, that means a funder generally has to file a lawsuit and win it before it can garnish your accounts here, which buys time to negotiate.
Does Arizona regulate merchant cash advances?
Arizona has no MCA-specific disclosure law, so funders aren't required to show you a standardized total cost or APR. We calculate it for you during your review.
Do I need to be in Arizona to work with Century Relief?
No. We're based in Jersey City, New Jersey, and work with business owners in Phoenix, Tucson, Mesa and Scottsdale and everywhere else by phone and video.