MCA Debt Relief for Florida Businesses
Stacked merchant cash advances draining your Florida business? You have options. We negotiate directly with your lenders to restructure what you owe — and we understand how MCAs are treated under Florida law.
Florida Businesses and Merchant Cash Advance Debt
Florida's economy runs on small business, and merchant cash advance funders are everywhere — from Miami to Jacksonville to Tampa. An MCA can look like fast, easy capital, but the daily and weekly debits add up quickly, and stacking multiple advances can put real strain on a business's cash flow.
Florida's legal landscape for MCAs is different from states like New York and California. Florida has a commercial financing disclosure law, but it is narrower — and its courts have generally treated properly structured advances as purchases of future receivables rather than loans. Knowing where Florida law stands is part of how we approach your situation.
Rapid Restructure helps Florida merchants restructure merchant cash advance debt — reducing payments to something the business can actually sustain. We are a debt-restructuring service, not a law firm, and the information below is general education, not legal advice.
What Florida Law Says About Merchant Cash Advances
Florida's Commercial Financing Disclosure Law, which applies to commercial financing transactions of $500,000 or less consummated on or after January 1, 2024, requires MCA-style funders to give small businesses standardized cost disclosures (total amount provided, total to be paid, total dollar cost, and payment details). Unlike New York and California, however, Florida's law is disclosure-only: it does not license MCA providers, gives borrowers no private right to sue for violations, and leaves enforcement solely to the state Attorney General.
Florida's usury law generally caps interest at 18% per year on obligations of $500,000 or less (and 25% above that), with criminal usury above 25%. But Florida's leading appellate decision on the issue held that a properly structured merchant cash advance — a purchase and sale of future receivables where repayment is contingent on the business's revenue through a reconciliation provision — is not a loan and is therefore not subject to the usury statutes.
Florida does not license merchant cash advance providers, and Florida's main debt-collection consumer-protection statute (the Florida Consumer Collection Practices Act) is aimed primarily at personal or household 'consumer' debt — so it offers limited protection for ordinary business-to-business MCA collection, apart from its general anti-harassment rules and situations where an owner has personally guaranteed the advance.
Federal regulators have pursued abusive MCA operators: the Federal Trade Commission permanently banned the operators of Richmond Capital / RCG Advances from the merchant cash advance and debt-collection industries and later won a multimillion-dollar judgment against the operator for deceiving small businesses and unlawfully seizing their assets.
The above is general information, not legal advice. Consult a licensed attorney about your specific situation.
How Restructuring Works for a Florida Business
Restructuring is not a new loan and it is not bankruptcy. We contact each of your merchant cash advance lenders directly and negotiate to lower your payment burden — by reducing the total payoff, extending the timeline, or both. The goal is a payment structure your business can sustain.
Because Florida courts have generally upheld properly structured advances as enforceable receivables purchases, the most reliable path to relief for most Florida businesses is direct negotiation with the funders — which is exactly what we do.
There is no court filing required to start, no credit check, and no upfront fee.
If You're Already Facing Collections in Florida
If an MCA company obtains a Florida judgment, it can ask the court for a writ of garnishment under Chapter 77 that, once served on your bank, can immediately freeze the funds in your business account up to the amount owed. Florida law generally gives you a short window — about 20 days — to challenge the writ or claim any available exemptions.
If you are dealing with a lawsuit, a garnishment, or relentless lender demands, time matters. The sooner we get involved, the more options are typically still on the table. If your situation is urgent, call us directly rather than waiting on a form.
Who We Help Across Florida
We work with business owners throughout Florida — from Miami-Dade and Broward to Tampa Bay, Orlando, Jacksonville, and the Gulf Coast. Restaurants, construction firms, trucking operations, medical practices, retailers, and service businesses all end up stacked with merchant cash advances when cash flow gets tight.
If you have two or more advances, are paying thousands a week in debits, and need relief sooner rather than later, you are likely a strong candidate for restructuring.
“I had taken on a second and third advance just to cover the first, and the daily payments were eating everything. Getting them restructured was the difference between staying open and shutting the doors.”
— Auto shop owner, Tampa, FL
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Frequently Asked Questions
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Results vary based on your lenders, balances, and individual circumstances. Rapid Restructure is a debt-restructuring service, not a law firm, and does not provide legal, tax, bankruptcy, or credit-repair advice. Any figures shown — such as potential payment reductions or timelines — are illustrative examples, not guarantees of results. Information about state laws is general in nature, may change, and should not be relied upon as legal advice; consult a licensed attorney for guidance specific to your situation.