MCA & Business Debt Relief in Georgia
Merchant cash advance rules vary by state, and Georgia has its own on confessions of judgment, interest and disclosures. Here's how they affect a Georgia business trying to get out from under MCA debt, and how Century Relief can help.
| Georgia at a glance | |
|---|---|
| MCA disclosure law | Yes |
| Confessions of judgment | Allowed only with formalities |
| Usury as a lever | Limited for business borrowers |
| Where we work | Atlanta, Savannah, Augusta and Columbus and statewide |
We regularly work with Georgia businesses in restaurants, health care, construction and logistics, sectors where daily or weekly MCA debits are common and cash flow swings from month to month.
Default, lawsuits and judgments in Georgia
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 Georgia and enforced against your accounts.
Georgia allows a confession of judgment only in a lawsuit that's already been filed (O.C.G.A. § 9-12-18). In practice, a funder can't simply file a pre-signed confession against a Georgia business; it usually has to sue, which gives you time to negotiate.
Georgia rules that affect your settlement
Disclosures. Georgia requires cost disclosures on MCAs of $500,000 or less (since 2024).
Interest limits. Georgia lets business loans above $3,000 carry any written rate. 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
- 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
Is MCA debt settlement possible for a Georgia 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 Georgia business without a lawsuit?
Georgia allows a confession of judgment only in a lawsuit that's already been filed (O.C.G.A. § 9-12-18). In practice, a funder can't simply file a pre-signed confession against a Georgia business; it usually has to sue, which gives you time to negotiate.
Does Georgia regulate merchant cash advances?
Georgia requires cost disclosures on MCAs of $500,000 or less (since 2024).
Do I need to be in Georgia to work with Century Relief?
No. We're based in Jersey City, New Jersey, and work with business owners in Atlanta, Savannah, Augusta and Columbus and everywhere else by phone and video.