Rapid Finance
MCA Review
Is Rapid Finance a Legal MCA or an Illegal Disguised Loan?
We Listen • We Fight • You Win
Is Rapid Finance's MCA Agreement Legal?
As of 2026, our firm has identified several RED FLAGS in Rapid Finance (Rapid Financial Services, 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 Rapid Finance contracts. If Rapid Finance has issued a writ of garnishment against your business, enforced a personal guarantee, debited your account without consent, or filed a UCC lien on your receivables, 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.
Rapid Finance's
Red Flags Identified
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Writ of Garnishment Filings
Rapid Finance pursues writs of garnishment against business owners upon default, seizing funds directly from bank accounts without warning. -
Aggressive Weekly ACH Collections
Fixed weekly payments of $2,000 or more are debited regardless of actual revenue, creating unsustainable cash flow pressure on small businesses. -
Personal Guarantee Enforcement
Personal guarantees are aggressively enforced upon default, exposing business owners to personal lawsuits, judgments, and credit damage. -
UCC Liens on All Business Assets
Blanket UCC-1 filings restrict all business receivables and assets, blocking refinancing, outside lending, and future capital access. -
Unauthorized Credit Applications
BBB complaints report fraudulent credit applications filed without business owner knowledge or consent, damaging credit profiles.
How Rapid Finance Operates
Fixed Weekly ACH Payments
Rigid weekly ACH deductions of $2,000 or more are taken regardless of business performance, quickly overwhelming small business cash flow during slow periods.
Writ of Garnishment Tactics
Upon default, Rapid Finance files writs of garnishment through court proceedings, freezing business and personal bank accounts to force immediate repayment.
UCC Liens on Receivables
Blanket UCC-1 liens are filed against all business assets at funding, making it impossible to obtain other financing or sell business assets during the term.
Personal Guarantee Lawsuits
Rapid Finance aggressively sues personal guarantors upon business default, piercing the LLC veil and targeting personal assets and credit reports.
Contact Information
Rapid Financial Services, LLC
Important: If Rapid Finance 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 Rapid Finance has obtained a judgment or writ of garnishment against you, we file emergency legal papers to vacate the judgment and stop the garnishment immediately.
Debt Settlement Solutions
Our attorneys negotiate directly with Rapid Finance to achieve meaningful balance reductions and structured settlements that allow your business to survive and recover.
UCC Lien Removal
We challenge and remove unlawful UCC liens on your business assets and receivables, restoring your access to capital and freeing you from Rapid Finance's financial grip.
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 Rapid Finance destroy what you've worked so hard to build. Call now.
➤ Call (516) 670-5165