McDONNELL HOPKINSMCA Usury Tool Platform
Empowering U.S. businesses with expert MCA analysis tools that expose predatory lending, reveal hidden APRs, and build your defense solutions.
+This MCA Usury Tool Platform is proprietary and exclusively developed by McDonnell Hopkins.
MCA Contract Defense & Cash Flow Solutions
Solutionists in helping business owners challenge unfair MCA agreements and stopping aggressive collections, regaining financial stability through structured contract defense solutions via forensic AI audits.
Standing with business owners facing confusing terms, court complaints, defaults, escalating collections, overwhelming ACH pulls and UCC liens. Our goal is simple: restore control and protect your cash flow.
What Business Owners Are Saying
"I had three MCAs pulling from my account every single day. McDonnell Hopkins reviewed my contracts and found serious violations. Within weeks the collections stopped and we got everything restructured into terms I could actually manage."
Orlando McCloud
Entertainment Co. · Miami, FL
The Predatory Landscape
Calculate Your MCA Risk
Understanding the true cost of Merchant Cash Advances is the first step toward reclaiming your revenue.
Avg. Hidden APR
Hidden Factor Rates
Many MCAs disguise APRs of 100-400% behind simple factor rates. Our analysis reveals the true cost of your advance.
Avg. Annual Loss
Revenue Drains
Daily or weekly withdrawals from your account can create fatal cash flow gaps. We identify and quantify the drain.
Businesses Affected
Stacking Traps
Multiple MCAs compounding on each other is the #1 cause of business failure. We untangle the web.
The True Cost of Your MCA
Input your MCA terms to reveal the hidden APR and see exactly how much revenue is being drained from your business.
Enter Your MCA Terms
Input advance amount, factor rate, and term.
Reveal Your True APR
See the effective APR funders hide. Avg: 100%–400%+.
See Your Revenue Drain
Daily, weekly, and monthly cash drain breakdown.
Build Your Defense
Use results to start your defense strategy.
Effective APR
Total Cost of Capital
Daily Drain
Weekly Drain
Monthly Drain
Total Payback Amount
$5,500Legal Disclaimer: This tool is for educational purposes only and does not constitute legal advice.
Specified % Checker
Enter the specified percentage from each MCA contract to reveal exactly what portion of your daily or weekly revenue ALL funders are claiming combined.
Legal Disclaimer: This tool is for educational purposes only and does not constitute legal advice.
LG 3-Prong Usury Test
Courts use this test to determine whether your Merchant Cash Advance is a disguised loan subject to usury law. Check the prongs that apply to your agreement.
A true MCA should adjust payments based on your actual daily sales. If your payments are fixed regardless of revenue, the agreement may function as a loan, not a purchase of future receivables.
A genuine MCA has no definite term. Repayment depends on future sales. A fixed repayment period or schedule suggests the agreement is structured as a loan.
If the funder can pursue your personal assets or has filed UCC liens, this suggests they expect absolute repayment. A hallmark of a loan, not a purchase.
Reclassification Probability
Chance of Reclassification
Based on your selections, your MCA appears to function as a legitimate purchase of future receivables. However, other factors may still apply.
Legal Disclaimer: This tool is for educational purposes only and does not constitute legal advice.
New York Usury Law
Understanding the legal benchmarks that determine when an MCA agreement crosses into usurious territory under New York State law.
The maximum lawful interest rate in New York is 16% per annum. Any loan exceeding 16% APR is civilly usurious. The borrower may void the contract and recover all interest paid.
§ 190.40 — Interest exceeding 25% per annum is a Class E Felony (up to 4 years). § 190.42 — Pattern offenses are a Class C Felony (up to 15 years). RICO may also apply to pattern criminal usury.
// MCA IMPLICATION: Most MCA agreements carry effective APRs of 100%–400%+ — far exceeding both thresholds. The LG Capital 3-Prong test determines whether the "purchase of receivables" structure can be reclassified as a loan subject to usury law.
