BFS Capital
MCA Review
Is BFS Capital a Legal MCA or an Illegal Disguised Loan??
We Listen • We Fight • You Win
Is BFS Capital's MCA Agreement Legal?
Our firm has identified several RED FLAGS in BFS Capital LLC agreements that may indicate their products are not true merchant cash advances, but rather disguised high-cost loans.
Our attorneys have reviewed hundreds of BFS Capital contracts. If BFS Capital has filed a Confession of Judgment against you, placed UCC liens on your receivables, debited your account without consent, or enforced a personal guarantee, you need legal defense immediately.
Grant Phillips Law has successfully litigated over 600 MCA and fintech lending cases and provides nationwide representation to businesses just like yours.
BFS Capital's
Red Flags Identified
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Confession of Judgment Filings
BFS Capital routinely files COJs in New York courts, obtaining immediate judgments against business owners without prior notice or an opportunity to defend themselves in court. -
Daily ACH Remittances
Fixed daily ACH debits are pulled from business accounts regardless of actual revenue, leaving businesses with no flexibility to manage cash flow during slow or difficult periods. -
UCC Liens on All Receivables
Blanket UCC-1 filings are placed against all business receivables at funding, blocking outside financing and trapping merchants inside BFS Capital's debt position. -
High Factor Rate Deception
Factor rates are presented without APR equivalents, masking annualized borrowing costs that commonly exceed 80% to 150% on short-term advances with no standard disclosure requirement. -
Personal Guarantee Enforcement
Personal guarantees are aggressively enforced upon default, exposing business owners to personal liability, credit damage, and collection lawsuits beyond the business entity.
How BFS Capital Operates
Confession of Judgment
BFS Capital files COJs in New York courts upon default, bypassing the normal legal process and obtaining immediate judgments that freeze accounts and seize assets before you can respond.
Daily ACH Sweeps
Fixed daily ACH payments are debited from your business account regardless of revenue, creating relentless cash flow pressure with no ability to pause, defer, or adjust based on actual performance.
UCC Liens on Receivables
Blanket UCC-1 liens are filed against all business receivables and assets at funding, making it impossible to obtain outside financing or refinance while the advance remains outstanding.
Aggressive Stacking
BFS Capital aggressively promotes additional advances before prior balances are repaid, layering multiple daily ACH obligations that rapidly compound and push businesses toward default.
Contact Information
BFS Capital LLC
Important: If BFS 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.
Judgment Vacatur
If BFS Capital has filed a Confession of Judgment against your business, we file emergency legal papers to vacate the judgment immediately, stopping account seizures and restoring access to your funds.
Debt Settlement Solutions
Our attorneys negotiate directly with BFS Capital to reduce outstanding balances and reach favorable settlements that allow your business to recover and continue operating without crippling debt.
UCC Lien Removal
We challenge and remove unlawful UCC liens placed by BFS Capital on your business receivables and assets, restoring your cash flow and access to legitimate outside 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
Get a Free Consultation Today
Don't let BFS Capital destroy what you've worked so hard to build. Call now.
➤ Call (516) 670-5165