MCA & Business Debt Relief in Florida
If daily or weekly MCA payments are draining your Florida business, you have more options than taking another advance. Century Relief negotiates with MCA funders on behalf of businesses in Miami, Orlando, Tampa and Jacksonville and statewide.
| Florida at a glance | |
|---|---|
| MCA disclosure law | Yes |
| Confessions of judgment | Pre-signed clauses generally void |
| Usury as a lever | Limited for business borrowers |
| Where we work | Miami, Orlando, Tampa and Jacksonville and statewide |
In Florida, MCA debt shows up most often among businesses in restaurants and hospitality, health care and construction. Whether you're in Miami, Orlando, Tampa and Jacksonville or a smaller town, the process is the same and happens by phone and video.
What happens when a Florida business falls behind on an MCA
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 Florida and used to levy your bank accounts.
Good news on one front: A power of attorney to confess judgment signed before a lawsuit has no legal effect in Florida (Fla. Stat. § 55.05). For a Florida 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.
Florida rules that affect your settlement
Disclosures. Florida requires cost disclosures on MCAs of $500,000 or less (since 2024) and bans broker advance fees.
Interest limits. Florida courts have generally treated MCAs as sales, not loans, which limits usury arguments. Our leverage usually comes from your cash-flow reality, reconciliation rights and the cost of collection to the funder.
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
Is MCA debt settlement possible for a Florida business?
Yes. Funders generally prefer a negotiated payoff to an expensive collection fight, especially when a business has several advances and limited revenue. Results depend on your contracts and numbers.
Can an MCA funder get a judgment against my Florida business without a lawsuit?
A power of attorney to confess judgment signed before a lawsuit has no legal effect in Florida (Fla. Stat. § 55.05). For a Florida 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 Florida regulate merchant cash advances?
Florida requires cost disclosures on MCAs of $500,000 or less (since 2024) and bans broker advance fees.
Do I need to be in Florida to work with Century Relief?
No. We're based in Jersey City, New Jersey, and work with business owners in Miami, Orlando, Tampa and Jacksonville and everywhere else by phone and video.