What this is: a free introductory consultation with our partner law firm, arranged through Renaissance Capital Advisors, to get a licensed attorney's read on the legal side of your MCA or business debt situation. What this is not: legal advice or representation from Renaissance Capital Advisors. We are not a law firm — any attorney-client relationship exists solely between you and our partner firm.
Who this is for
- Business owners who've received a lawsuit, judgment, or default notice tied to a merchant cash advance
- Owners whose MCA agreement includes a personal guarantee and want to understand what that actually exposes
- Anyone who's had a UCC-1 filed against their business and doesn't know what it means for financing or operations
- Owners weighing a settlement or restructuring offer who want a legal opinion on the agreement's terms first
- Anyone told "there's nothing you can do" by a funder or collector and want a second, licensed opinion
What the consultation covers
A licensed attorney from our partner firm will typically walk through:
1. What's actually enforceable. Not every confession of judgment or personal guarantee holds up the way funders present it. An attorney can tell you what's real leverage and what's pressure tactics.
2. Your exposure. What a default, lawsuit, or judgment can and can't reach — your business, your personal assets, or both — depending on your state and your agreement's language.
3. Whether a recharacterization argument applies. Some MCA agreements are structured in ways that make them look more like a disguised loan than a purchase of receivables, which can matter a great deal legally. That determination requires a lawyer, not a consultant.
4. Next steps, if any require legal action. Responding to a suit, negotiating through counsel, or defending a judgment enforcement action.
This is a conversation, not a retainer. Whether you engage the firm afterward is entirely your decision.
How this works
Step 1 — Tell us your situation. A short intake so we can point you to the right conversation and make sure the firm has context before you talk.
Step 2 — We make the introduction. We coordinate scheduling with our partner law firm directly — you're not left to cold-call a number.
Step 3 — Free initial consultation. You speak with a licensed attorney about the legal specifics of your situation, at no cost for that first conversation.
Step 4 — You decide. If the firm can help and you want to move forward, that engagement is between you and them. We stay available to coordinate on the business and financial side if you want us to.
Frequently Asked Questions
Renaissance Capital Advisors provides business consulting and referral services only. We are not a law firm and do not provide legal advice or representation. Free legal consultations referenced on this page are provided by an independent, licensed partner law firm; any attorney-client relationship exists solely between you and that firm. Nothing on this page constitutes legal, tax, accounting, or financial advice. Consult a licensed attorney before making decisions about legal matters affecting your business.