MCA & Business Debt Relief in Michigan
Century Relief helps Michigan business owners settle and restructure merchant cash advance (MCA) and business debt. We work with businesses in Detroit, Grand Rapids, Lansing and Ann Arbor and across the state, and the rules below shape what funders can do and how we negotiate.
| Michigan at a glance | |
|---|---|
| MCA disclosure law | No |
| Confessions of judgment | Allowed — read your contract |
| Usury as a lever | Possible if an MCA is treated as a loan |
| Where we work | Detroit, Grand Rapids, Lansing and Ann Arbor and statewide |
Michigan businesses in manufacturing and auto suppliers, health care and restaurants make up a large share of the MCA borrowers we help. Most have two or more advances by the time they reach out.
If you miss MCA payments in Michigan
Funders move fast after a default: collection calls, a demand for the full balance, and sometimes a lawsuit within weeks. Even when the case is filed out of state, the resulting judgment can be registered in Michigan and used to freeze business accounts, so it pays to negotiate before it gets that far.
This is the biggest risk to plan around: Michigan allows confession without a lawsuit, but the authority must be in a separate document and the plea signed by an attorney (MCL 600.2906). If you signed a confession, a funder may be able to get a judgment against your Michigan business quickly and move to freeze accounts. That makes it important to negotiate before you fall far behind.
Michigan rules that affect your settlement
Disclosures. Michigan 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. Michigan's 25% criminal usury cap can matter for LLCs; corporations can agree to any rate. 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
- Free review. We go through every advance, your bank statements and what each funder has already collected.
- Stop the bleeding. We help you avoid stacking another advance and plan around your cash flow.
- Negotiate funder by funder. We work toward reduced payoffs or payment plans that fit your revenue.
- Get it in writing. Every agreement is documented, including UCC lien releases when balances are resolved.
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 Michigan 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 Michigan business without a lawsuit?
Michigan allows confession without a lawsuit, but the authority must be in a separate document and the plea signed by an attorney (MCL 600.2906). If you signed a confession, a funder may be able to get a judgment against your Michigan business quickly and move to freeze accounts. That makes it important to negotiate before you fall far behind.
Does Michigan regulate merchant cash advances?
Michigan 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 Michigan to work with Century Relief?
No. We're based in Jersey City, New Jersey, and work with business owners in Detroit, Grand Rapids, Lansing and Ann Arbor and everywhere else by phone and video.