MCA & Business Debt Relief in Oregon
If daily or weekly MCA payments are draining your Oregon business, you have more options than taking another advance. Century Relief negotiates with MCA funders on behalf of businesses in Portland, Salem, Eugene and Bend and statewide.
| Oregon 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 | Portland, Salem, Eugene and Bend and statewide |
Many of the Oregon owners we talk to run businesses in restaurants, health care and construction. When revenue dips, fixed MCA debits don't, and that's usually when they call. Oregon's restaurants, contractors and craft food and beverage businesses often face seasonal or wholesale payment cycles that don't match daily debits.
If you miss MCA payments in Oregon
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 Oregon and enforced against your accounts.
Oregon's procedures don't fit pre-signed confession clauses; have any clause reviewed. Until an attorney confirms otherwise, assume a confession clause could be used, and try to negotiate before a default.
Oregon rules that affect your settlement
Disclosures. Oregon 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. Oregon caps loans of $50,000 or less, including business loans, and a violation forfeits all interest (ORS 82.010). 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
Can MCA debt be settled in Oregon?
Yes. MCA funders in Oregon, 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 Oregon business without a lawsuit?
Oregon's procedures don't fit pre-signed confession clauses; have any clause reviewed. Until an attorney confirms otherwise, assume a confession clause could be used, and try to negotiate before a default.
Does Oregon regulate merchant cash advances?
Oregon 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 Oregon to work with Century Relief?
No. We're based in Jersey City, New Jersey, and work with business owners in Portland, Salem, Eugene and Bend and everywhere else by phone and video.