MCA & Business Debt Relief in Washington
If daily or weekly MCA payments are draining your Washington business, you have more options than taking another advance. Century Relief negotiates with MCA funders on behalf of businesses in Seattle, Spokane, Tacoma and Vancouver and statewide.
| Washington 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 | Seattle, Spokane, Tacoma and Vancouver and statewide |
Many of the Washington owners we talk to run businesses in health care, restaurants and construction. When revenue dips, fixed MCA debits don't, and that's usually when they call. Washington's restaurants, contractors and seafood and agricultural businesses face seasonal and weather-driven swings that MCA debits don't follow.
What happens when a Washington business falls behind on an MCA
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 Washington and enforced against your accounts.
This is the biggest risk to plan around: Washington allows confessions of judgment on a sworn statement of a specified sum (RCW 4.60.060). If you signed a confession, a funder may be able to get a judgment against your Washington business quickly and move to freeze accounts. That makes it important to negotiate before you fall far behind.
Washington rules that affect your settlement
Disclosures. Washington 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. Washington bars entities and business borrowers from raising usury. 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
Will MCA funders negotiate with a Washington 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 Washington business without a lawsuit?
Washington allows confessions of judgment on a sworn statement of a specified sum (RCW 4.60.060). If you signed a confession, a funder may be able to get a judgment against your Washington business quickly and move to freeze accounts. That makes it important to negotiate before you fall far behind.
Does Washington regulate merchant cash advances?
Washington 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 Washington to work with Century Relief?
No. We're based in Jersey City, New Jersey, and work with business owners in Seattle, Spokane, Tacoma and Vancouver and everywhere else by phone and video.