Funding Metrics
MCA Review
Is Funding Metrics a Legal MCA or an Illegal Disguised Loan?
We Listen • We Fight • You Win
What You Need to Know About Funding Metrics
Funding Metrics provides business loans, merchant cash advances, and revenue-based financing to small and mid-sized companies. Like many fast-funding platforms, their funding agreements contain terms and repayment mechanics that may not be fully transparent during the application and approval process.
This review examines the terms and practices you should evaluate before you accept any capital or authorize account access. Understanding these terms upfront can help you avoid cash flow emergencies, account seizures, and disputes that jeopardize your business operations and personal credit.
Common concerns with Funding Metrics funding agreements include:
- Factor rates without clear APR disclosure that obscure the true cost of capital
- Daily or weekly automatic repayment sweeps that ignore business revenue cycles
- Blanket bank account authorization allowing unlimited direct access to business accounts
- Personal guarantees exposing owners to unlimited personal liability
- UCC-1 liens on business assets and receivables
- Unilateral acceleration and default language triggered by payment delays or other routine events
What to Watch For
Before You Sign
-
Factor Rates Disguised as Simple Terms
Funding Metrics may present capital as simple percentages or factors without annualizing the cost. True APR can reach 40%–70%+ depending on repayment frequency and the actual funding structure. -
Automated Weekly or Daily ACH Withdrawals
Fixed automatic ACH deductions are pulled from your business bank account on a predetermined schedule regardless of sales performance, creating artificial cash shortages. -
Blanket Bank Account Authorization
Authorization for unlimited direct bank account access allows Funding Metrics to initiate automated withdrawals, place account holds, and redirect funds without additional approval. -
Unlimited Personal Guarantees
Personal guarantees expose business owners to personal liability for the full funding amount, making personal assets (home, savings, retirement) subject to seizure. -
Broad UCC Liens on Receivables
Liens against business receivables, inventory, and equipment prevent refinancing and other capital access until Funding Metrics is fully repaid.
How These Funding Arrangements Can Operate
Cost Concealment
Marketing emphasizes fast approval and simple terms while the actual cost of capital—expressed as a factor rate or daily fee—remains hidden until the terms are reviewed closely.
Automated Repayment Sweeps
Weekly or daily ACH withdrawals are automatically programmed to pull from your business bank account on a fixed schedule, independent of business performance or available cash.
Linked Account Control
Authorization to link your business bank account gives Funding Metrics direct access to initiate transfers, place holds, and redirect funds without need for further permission.
Aggressive Default Triggers
Broad default language triggered by NSF events, payment delays, declining credit scores, or other conditions allows Funding Metrics to declare default and demand full repayment immediately.
Contact Information
Important: If Funding Metrics has frozen your account, initiated aggressive collection, or demanded immediate repayment, do not respond or authorize additional withdrawals without consulting Grant Phillips Law first. Contact us for a free legal review of your funding agreement and rights.
The Solution You Need
We Fight For
Your Business
How We Protect Your Business
Grant Phillips Law helps small businesses understand Funding Metrics agreements, stop unfair account controls and automated withdrawals, challenge aggressive collection tactics, and negotiate settlements that keep your business operating.
Pre-Signature Funding Review
Before you sign with Funding Metrics, our attorneys review the entire funding agreement to identify hidden costs, unfair terms, personal guarantee risks, and lien implications.
Account Freeze & Withdrawal Defense
If Funding Metrics is freezing your account or withdrawing funds without authorization, we file emergency legal papers to restore access to your business accounts immediately.
Settlement & Restructuring
We negotiate directly with Funding Metrics to restructure repayment terms, reduce principal balance, or reach settlements that allow your business to survive and operate normally.
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 Funding Metrics destroy what you've worked so hard to build. Call now.
➤ Call (516) 670-5165