MCA & Business Debt Relief in Colorado
Century Relief helps Colorado business owners settle and restructure merchant cash advance (MCA) and business debt. We work with businesses in Denver, Colorado Springs, Aurora and Fort Collins and across the state, and the rules below shape what funders can do and how we negotiate.
| Colorado at a glance | |
|---|---|
| MCA disclosure law | No |
| Confessions of judgment | Not clear-cut — get it reviewed |
| Usury as a lever | Possible if an MCA is treated as a loan |
| Where we work | Denver, Colorado Springs, Aurora and Fort Collins and statewide |
In Colorado, MCA debt shows up most often among businesses in restaurants, health care and construction. Whether you're in Denver, Colorado Springs, Aurora and Fort Collins or a smaller town, the process is the same and happens by phone and video. Colorado's restaurants, ski-season businesses and contractors see sharp seasonal swings, which make fixed MCA debits hard to manage outside peak months.
Default, lawsuits and judgments in Colorado
A missed debit usually triggers the default clause. Expect calls to you and any personal guarantor, a demand for the full remaining balance, and possibly a lawsuit, often filed in New York because that's what most contracts specify. A New York judgment can then be domesticated in Colorado and enforced against your accounts.
Colorado bans confessions of judgment in consumer credit; for business MCAs, have any confession clause reviewed. Until an attorney confirms otherwise, assume a confession clause could be used, and try to negotiate before a default.
Colorado rules that affect your settlement
Disclosures. Colorado 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. Colorado makes charging more than 45% a year a felony, which can matter if an MCA is treated as a loan. That gives us another point to raise when we negotiate.
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
- Map the stack. We list every position, balance and debit date.
- Check your leverage. Reconciliation rights, disclosure compliance and the state rules above all matter.
- Negotiate. We approach each funder with a realistic proposal based on your actual revenue.
- Close it out. Settlements are documented and lien releases requested.
Ready to see your options? Get a free review of your MCA debt, or read the five main MCA relief options.
Frequently asked questions
Will MCA funders negotiate with a Colorado business?
Often, yes. A realistic proposal backed by your bank statements gives a funder a reason to accept less or stretch the payments out, rather than chase a business that can't pay.
Can an MCA funder get a judgment against my Colorado business without a lawsuit?
Colorado bans confessions of judgment in consumer credit; for business MCAs, have any confession clause reviewed. Until an attorney confirms otherwise, assume a confession clause could be used, and try to negotiate before a default.
Does Colorado regulate merchant cash advances?
Colorado 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 Colorado to work with Century Relief?
No. We're based in Jersey City, New Jersey, and work with business owners in Denver, Colorado Springs, Aurora and Fort Collins and everywhere else by phone and video.