MCA & Business Debt Relief in Pennsylvania
Merchant cash advance rules vary by state, and Pennsylvania has its own on confessions of judgment, interest and disclosures. Here's how they affect a Pennsylvania business trying to get out from under MCA debt, and how Century Relief can help.
| Pennsylvania at a glance | |
|---|---|
| MCA disclosure law | No |
| Confessions of judgment | Allowed — read your contract |
| Usury as a lever | Limited for business borrowers |
| Where we work | Philadelphia, Pittsburgh, Allentown and Harrisburg and statewide |
Pennsylvania businesses in health care, restaurants, manufacturing and retail make up a large share of the MCA borrowers we help. Most have two or more advances by the time they reach out.
What happens when a Pennsylvania business falls behind on an MCA
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 Pennsylvania and used to freeze business accounts, so it pays to negotiate before it gets that far.
This is the biggest risk to plan around: Pennsylvania permits confessed judgments on commercial instruments (Pa.R.C.P. 2950); you challenge one by petition to strike or open. If you signed a confession, a funder may be able to get a judgment against your Pennsylvania business quickly and move to freeze accounts. That makes it important to negotiate before you fall far behind.
Pennsylvania rules that affect your settlement
Disclosures. Pennsylvania 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. Pennsylvania's usury cap doesn't cover business loans. Our leverage usually comes from your cash-flow reality, reconciliation rights and the cost of collection to the funder.
Worth knowing: Philadelphia MCA funder Par Funding's CEO was sentenced to 15½ years in 2025 for racketeering and fraud.
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 Pennsylvania 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 Pennsylvania business without a lawsuit?
Pennsylvania permits confessed judgments on commercial instruments (Pa.R.C.P. 2950); you challenge one by petition to strike or open. If you signed a confession, a funder may be able to get a judgment against your Pennsylvania business quickly and move to freeze accounts. That makes it important to negotiate before you fall far behind.
Does Pennsylvania regulate merchant cash advances?
Pennsylvania 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 Pennsylvania to work with Century Relief?
No. We're based in Jersey City, New Jersey, and work with business owners in Philadelphia, Pittsburgh, Allentown and Harrisburg and everywhere else by phone and video.