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Why Choose our CashPulse AuditPro?

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Every day, thousands of merchants pay far more than they should on Merchant Cash Advance (MCA) contracts. The problem? Many MCAs pretend to be “future receivables purchases,” but actually operate as high-interest loans. Courts are now exposing this form-over-substance trick and finding many of these agreements legally voidable. At CashPulse AuditPro our MCA Contract Review Service can help your business save up to 40% on outstanding MCA obligations with a chance of identifying contracts courts and regulatory agencies may deem illegal unenforceable loans voiding MCAs identified and reclassified as illegal "usury loans".​

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What is Form over Substance in MCA?

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“Form over substance” refers to the deceptive structuring of a Merchant Cash Advance (MCA) agreement to appear as a “sale of future receivables” in form, while operating in substance as a loan with fixed repayment obligations, interest-like charges, and default penalties. In such contracts, the form is designed to evade lending and usury laws by labeling the transaction as a purchase rather than a loan. However, the substance the actual economic reality reveals that the funder exercises lender-like control, imposes repayment schedules disconnected from real revenue, and enforces PGs and UCC liens typical of a "usury-based loan".

 

CashPulse AuditPro MCA Audit Relief

[Enrollment Benefits]​

• Lower Active MCA Payments

• Recover MCA Overpayments

• Prevent Collections & Default

• Challenge All MCA Contracts

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CashPulse AuditPro MCA Audit Relief

[Enrollment Solutions]​

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CPA MCA Package A — $499.99 1X​

• Forensic AI audit of 1-4 MCA agreements

• Identify overpayments and non-compliance

• Summary of findings and recommendations

• Document generate and MCA negotiations

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CPA MCA Package B — $999.99 1X​

• Forensic AI audit of 4-8 MCA agreements

• Identify overpayments and non-compliance

• Summary of findings and recommendations

• Document generate and MCA negotiations

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CPA MCA Package C — $1,499.99 1X​

• Forensic AI audit of 8+ MCA agreements

• Identify overpayments and non-compliance

• Summary of findings and recommendations

• Document generate and MCA negotiations

 

+No costly Consolidation or Debt Restructuring.

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"Red Flags of Illegal MCA Contracts"

 

Your MCA Funder's

Claim... (“Form”)

- A sale of future receivables

- Revenue-aligned payments

- No terms, simply a purchase

- No structured interest rates

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What You Really

Got... (“Substance”)

- Fixed daily or weekly payments

- No true revenue reconciliations

- UCC liens/personal guarantees

- Effective APRs often over 100%

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If your current MCA contract(s) match any "Substance" points above, you may be trapped in an illegal MCA. CPA focuses on audit-based regulatory relief helping businesses cut, recover, and challenge illegal MCA payments via forensic reviews and reconciliation.

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