Business Lending
SERVICES
Access to capital is crucial for a business to grow and succeed. In New York, even standard financing arrangements can involve complex obligations, personal guarantees, or provisions that shift significant risk onto the borrower. We counsel businesses in reviewing, structuring, and negotiating loan and financing agreements to ensure long-term protection.
DEFENSE
LITIGATION & COURT REPRESENTATION
We represent businesses sued by MCA lenders in New York courts. From challenging jurisdiction to attacking the validity of agreements, we fight aggressively to protect your company from judgments and collection actions.
CHALLENGING PREDATORY AGREEMENTS
Many Merchant Cash Advance contracts are drafted to appear as “sales of receivables” rather than loans, in an attempt to avoid New York’s strict usury laws. In reality, if repayment terms are fixed and not truly contingent on business revenue, the agreement may be an illegal loan carrying unlawful interest rates.
NEGOTIATION & RESTRUCTURING
For many businesses, the best outcome is a negotiated resolution that eases the repayment burden and preserves cash flow. We leverage our knowledge of lender tactics and contract law to restructure payment terms, reduce balances, and secure settlements.
ASSET & BUSINESS PROTECTION
When MCA lenders move to enforce their agreements, they often act aggressively by freezing bank accounts, seizing receivables, or filing UCC liens that disrupt day-to-day operations. We challenge improper levies, contest overreaching liens, and work to preserve the operating capital you need to keep your doors open.
FRAUD & MISREPRESENTATION DEFENSE
MCA disputes often arise from contracts that were sold with misleading promises or hidden terms. Lenders may have downplayed repayment obligations, misrepresented interest rates, or concealed the true risks of the agreement.
COMPLIANCE & ADVISORY SUPPORT
The best defense against predatory lending is prevention. We provide businesses with proactive guidance before they sign MCA agreements or other high-risk financing contracts.
ENFORCEMENT
CONTRACT ENFORCEMENT & LITIGATION
When a borrower defaults on a valid MCA, swift legal action can make the difference between recovery and loss. We pursue enforcement aggressively in New York’s commercial courts.
COLLECTION & JUDGEMENT ACTIONS
Even after a contract is enforced, collection can be challenging. We help lenders turn judgments into real recoveries.
BREACH OF CONTRACT & DAMAGES CLAIMS
Borrowers who stop making payments or divert receivables breach clear legal obligations. We hold them accountable for losses.
FRAUD & MISREPRESENTATION
Some borrowers mislead lenders from the start — inflating receivables, concealing liabilities, or moving assets to avoid repayment. We pursue these cases aggressively.
STRATEGIC NEGOTIATION & SETTLEMENT
Litigation isn’t always the most efficient path. We help lenders recover funds while avoiding unnecessary costs.
MULTI-JURISDICTION ENFORCEMENT
Borrowers often operate across state lines, requiring coordinated enforcement. We ensure your rights are protected in New York and beyond.
