6th Avenue Capital
MCA Review
Is 6th Avenue Capital a Legal MCA or an Illegal Disguised Loan?
We Listen • We Fight • You Win
Is 6th Avenue Capital's MCA Agreement Legal?
6th Avenue Capital, LLC, headquartered in New York City, is a direct merchant cash advance provider offering what it calls "ACH Advances" a lump-sum payment to small businesses in exchange for a portion of future receivables. The company has operated since 2016 and has raised capital from institutional investors to fund its MCA originations.
New York court records show that 6th Avenue Capital itself became a judgment debtor after failing to repay obligations to its own capital providers. A money judgment exceeding $1.69 million was entered against the company, and when it failed to pay, a separate enforcement proceeding was filed to seize its assets and outstanding receivables including amounts 6th Avenue Capital was itself trying to collect from other parties.
This history matters for merchants: a funder under financial pressure to satisfy its own creditors may be more aggressive in pursuing collection against merchants who fall behind. If 6th Avenue Capital has filed a Confession of Judgment against you, frozen your accounts, or placed a UCC lien on your receivables, Grant Phillips Law can review your agreement and explain your options.
6th Avenue Capital's
Red Flags Identified
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Unpaid Multi-Million-Dollar Judgment
Court records show 6th Avenue Capital failed to pay a judgment exceeding $1.69 million entered against it in New York Supreme Court. -
Court-Ordered Asset Turnover
A New York court ordered 6th Avenue Capital to turn over its own outstanding claims and receivables to satisfy the unpaid judgment. -
Confession of Judgment Clauses
MCA agreements of this type commonly allow the funder to obtain a court judgment against the merchant immediately upon default, without a hearing. -
Blanket UCC-1 Liens
Liens filed against all business receivables and assets at funding can block access to outside capital while the advance remains outstanding. -
Daily / Weekly ACH Debits
6th Avenue Capital's "ACH Advance" product pulls fixed payments directly from a merchant's bank account regardless of actual daily revenue.
How These Financing Arrangements Can Operate
Confession of Judgment
A funder can file a COJ in court upon default, bypassing legal process and obtaining an immediate judgment that freezes accounts before you can respond.
Bank Account Seizure
Once a COJ judgment is entered, a funder can freeze and seize funds from business and personal bank accounts without any prior court hearing or notice.
UCC Liens on Receivables
Blanket UCC-1 liens filed against all business receivables and assets at funding can make it difficult to access outside financing or refinance while the advance remains outstanding.
Daily / Weekly ACH Sweeps
Fixed ACH debits are pulled from your business account regardless of actual revenue, leaving little ability to pause, defer, or reconcile payments during a slow period.
Contact Information
6th Avenue Capital, LLC
Important: If 6th Avenue Capital has contacted you regarding outstanding balances, do not negotiate directly. Contact Grant Phillips Law first for a free legal review of your contract and obligations.
The Solution You Need
We Fight For
Your Business
How We Fight Back
Grant Phillips Law deploys proven legal strategies to protect your business and restore your financial freedom, whether your financing came from 6th Avenue Capital or another provider.
Judgment Vacatur
If a funder has filed a Confession of Judgment against your business, we file emergency legal papers to vacate it, stopping account seizures and restoring your funds.
Debt Settlement Solutions
Our attorneys negotiate directly with funders to reduce your outstanding balance and reach settlements that let your business keep operating.
UCC Lien Removal
We challenge and remove unlawful UCC liens placed on your business receivables and assets, restoring your cash flow and access to legitimate financing.
I was drowning in MCA debt with daily debits draining my account. Grant Phillips Law negotiated a settlement I never thought possible. They genuinely care about their clients and fight hard for results. I can't recommend them enough.
— Verified Client • Business Owner • Grant Phillips Law
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Don't let 6th Avenue Capital destroy what you've worked so hard to build. Call now.
➤ Call (516) 670-5165