Libertas Funding
MCA Review
Is Libertas Funding a Legal MCA or an Illegal Disguised Loan?
We Listen • We Fight • You Win
Is Libertas Funding's MCA Agreement Legal?
As of 2026, our firm has identified several RED FLAGS in Libertas Funding 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 Libertas Funding contracts. If Libertas Funding has filed a Confession of Judgment against you, frozen your bank accounts, placed UCC liens on your receivables, or sent aggressive collectors after you, 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.
Libertas Funding's
Red Flags Identified
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Confession of Judgment Filings
Libertas Funding routinely files COJs in New York courts, obtaining judgments against business owners without notice or the ability to defend in court. -
Bank Account Freezes
COJ-based judgments allow Libertas to freeze business and personal bank accounts immediately, halting operations without prior warning. -
UCC Liens on All Receivables
Blanket UCC-1 filings are placed against all business receivables at funding, blocking access to any outside financing or capital during the term. -
High Factor Rate Deception
Factor rates between 1.15 and 1.49 are presented without APR disclosure, masking effective annual costs that can exceed 150% on short-term advances. -
Aggressive Stacking Practices
Libertas Funding pushes multiple simultaneous advances on struggling businesses, compounding debt obligations and accelerating default timelines.
How Libertas Funding Operates
Confession of Judgment
Libertas Funding files COJs in New York courts upon default, bypassing normal legal process and obtaining immediate judgments that freeze accounts and seize assets before you can respond.
Bank Account Seizure
COJ judgments enable Libertas to immediately freeze and seize funds from business and personal bank accounts, halting all operations without prior court hearing or notice to the owner.
UCC Liens on Receivables
Blanket UCC-1 liens are filed against all business receivables and assets at funding, trapping the business and preventing refinancing, new lending, or asset sales throughout the advance term.
Debt Stacking Tactics
Libertas aggressively offers additional advances before prior ones are repaid, stacking multiple daily ACH obligations that rapidly overwhelm cash flow and push businesses into default.
Contact Information
Libertas Funding LLC
Important: If Libertas Funding 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 Libertas Funding has filed a Confession of Judgment against you, we file emergency legal papers to vacate the judgment immediately, stopping account freezes and restoring access to your funds.
Debt Settlement Solutions
Our attorneys negotiate directly with Libertas Funding to reduce your outstanding balance and structure settlements that allow your business to recover and continue operating without crippling payments.
UCC Lien Removal
We challenge and remove unlawful UCC liens placed on your business receivables and assets by Libertas Funding, restoring your cash flow and freeing you to access 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
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