MCA & Business Debt Relief in Utah
Merchant cash advance rules vary by state, and Utah has its own on confessions of judgment, interest and disclosures. Here's how they affect a Utah business trying to get out from under MCA debt, and how Century Relief can help.
| Utah at a glance | |
|---|---|
| MCA disclosure law | Yes |
| Confessions of judgment | Allowed — read your contract |
| Usury as a lever | Limited for business borrowers |
| Where we work | Salt Lake City, Provo, Ogden and St. George and statewide |
Many of the Utah owners we talk to run businesses in construction, restaurants, health care and retail. When revenue dips, fixed MCA debits don't, and that's usually when they call.
What happens when a Utah 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 Utah and used to freeze business accounts, so it pays to negotiate before it gets that far.
This is the biggest risk to plan around: Utah allows judgment by confession without a lawsuit (Utah Code § 78B-5-205). If you signed a confession, a funder may be able to get a judgment against your Utah business quickly and move to freeze accounts. That makes it important to negotiate before you fall far behind.
Utah rules that affect your settlement
Disclosures. Utah requires registration and cost disclosures on MCAs up to $1 million (since 2023).
Interest limits. Utah allows any rate agreed in writing. 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
- 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 Utah 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 Utah business without a lawsuit?
Utah allows judgment by confession without a lawsuit (Utah Code § 78B-5-205). If you signed a confession, a funder may be able to get a judgment against your Utah business quickly and move to freeze accounts. That makes it important to negotiate before you fall far behind.
Does Utah regulate merchant cash advances?
Utah requires registration and cost disclosures on MCAs up to $1 million (since 2023).
Do I need to be in Utah to work with Century Relief?
No. We're based in Jersey City, New Jersey, and work with business owners in Salt Lake City, Provo, Ogden and St. George and everywhere else by phone and video.