MCA debt in Massachusetts
Small businesses carry the Massachusetts economy: roughly 756,100 of them employ about 45% of the state's workers, per the SBA's 2025 state profile. The biggest small-business employers are in health care, restaurants and professional services, where card-split and daily-ACH advances are widespread.
Massachusetts MCA law: what actually protects you
Do funders have to disclose the cost?
There is no Massachusetts law requiring MCA providers to disclose an APR or total cost of financing. You'll need to work out the real cost yourself, or with an advisor.
Can a funder get a judgment without a lawsuit?
Massachusetts voids any agreement to confess judgment in a future action, and judgments entered under one must be set aside on motion (G.L. c. 231, § 13A).
Interest-rate limits
Massachusetts's criminal usury law applies to rates above 20% a year (G.L. c. 271, § 49), and there is no general business exemption, though a lender can avoid it by filing a notice with the Attorney General. If an MCA is treated as a loan, that can matter, which is a question for an attorney.
What this means for Massachusetts owners
Massachusetts law works in your favor on confessions of judgment: a pre-signed clause in your MCA shouldn't be enforceable here, so a funder that wants a judgment generally has to sue you and prove its case. On the rate side, Massachusetts is one of the few states where usury law could still matter if an MCA is recharacterized as a loan, so the effective annual rate on each of your advances is worth calculating.
If you're behind on an MCA in Massachusetts
- Ask your attorney whether each funder filed a usury notice with the Attorney General.
- Medical and dental practices: see our healthcare page on matching payments to reimbursement cycles.
- Restaurants and hospitality: see how split-funding MCAs work and our food service page.
- Check for UCC liens before applying for new financing. See how to check for a UCC lien.
- Don't take a new advance to cover an old one without modeling the combined debit. See how MCA stacking works.
How we help Massachusetts owners
Renaissance Capital Advisors works with Massachusetts business owners remotely. We start with a free 30-minute review, then map what each funder has collected and is owed and set out your realistic options in writing: reconciliation, renegotiation, refinancing, settlement through a licensed provider, or attorney review. We charge a flat fee and earn nothing more whichever path you choose.
Start with our MCA debt relief consulting overview, or see MCA debt help in other states.
We work with owners throughout Massachusetts, including Boston, Worcester, Springfield, Cambridge, Lowell and the North and South Shores.
Frequently asked questions
Renaissance Capital Advisors provides strategic consulting and referral services only. We are not licensed attorneys, CPAs, financial advisors, or a debt settlement company. Regulated debt-resolution work is performed by appropriately licensed third parties. Nothing on this page constitutes legal, tax, accounting, or financial advice. Consult a licensed professional before making binding decisions.