Collections for MCA funders

Recover defaulted advances without becoming the next enforcement headline.

Odd Recovery pairs an automated collections engine with real attorney review. Every bounce detected the day it happens; every UCC filed in the right state; every notice reviewed by counsel before it goes out.

Place your first file See how it works
Same-day default detectionACH returns from your processor feed the engine daily — R01s become recovery files, not surprises.
Attorney-gated, alwaysNothing is filed or mailed until a licensed attorney reviews and authorizes it. No robo-signing.
Lien-position firstWe verify priority before receivables notices — the step most collectors skip, and the one that creates liability.
How it works

From bounced payment to recovery — one gated pipeline.

You place the file (or connect your processor feed). The engine does the paralegal legwork. Counsel makes the calls. You watch it all from your portal.

Detect

Daily ACH-return ingestion (API or NACHA files) matches every bounce to its advance and flags defaults instantly. Merchants get a same-day servicing notice.

Verify & draft

UCC search in the debtor's state of organization, lien-priority check, and auto-drafted demand, UCC-1, and — only when senior — account-debtor notices.

priority gate

Attorney review

A licensed attorney reviews the complete file and authorizes each legal step with one click. Every approval is logged.

counsel gate

Act & enforce

Certified demand letters, UCC filings, arbitration or suit, then post-judgment enforcement — restraints, levies, turnover — where the law allows.

What you get

A recovery operation, not a phone room.

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Speed where it's legal

Same-day bounce notices, demand packages in days — the fast parts automated, the legal parts gated.

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Stacking-aware strategy

We map competing MCA liens before acting. Junior position? The plan shifts to guaranty and arbitration instead of doomed receivables grabs.

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Court-ready files

Every account arrives at counsel litigation-ready: contract terms extracted, defaults documented, evidence preserved.

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Full transparency

Your portal shows every account, action, and attorney sign-off in real time — plus placement of new files in two minutes.

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Audit trail on everything

Every notice, call, filing, and approval is logged. If a regulator or judge ever asks, the record answers.

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Clean remittance

Recoveries flow through segregated client-funds accounting with monthly per-account statements.

Compliance is the product

Aggressive on recovery. Conservative on law.

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Attorney supervision, not rubber stamps. Six defined review gates from demand to enforcement — a lawyer actually reads the file before anything legal happens.
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No pre-judgment account freezes. Bank restraints and levies happen after judgment, the way the law requires. Anyone promising otherwise is selling you liability.
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UCC § 9-406 only with verified seniority. Receivables-redirection notices go out only when the lien position actually supports them.
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UCCs filed in the right state. Perfection follows the debtor's state of organization — the detail that decides whether your lien is real.
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FTC Act & state UDAP-conscious conduct. Truthful notices, no criminal threats, opt-outs honored, guarantor rules respected.

Why funders switch to us

  • Confessions of judgment are gone — NY closed them for out-of-state debtors in 2019. Recovery now runs on process, not shortcuts.
  • Regulators (FTC, state AGs) are actively targeting MCA collection tactics. Sloppy collectors create exposure for the funder too.
  • Most defaulted books leak value in the first two weeks. Automation closes that gap; counsel keeps it defensible.
The funder portal

Your book, your login, live status.

Each funder gets a dedicated portal: place files in minutes, watch lien verification and attorney review progress, see what's been recovered and what's next. No spreadsheets, no waiting for a weekly email.

Sign in to your portal
DEMO FUNDING LLC — accounts in recovery
Harbor View Bistro LLClien verified
Balance outstanding$56,500
Demand packageattorney review
Recovered to date$34,500
Get started

Place your first defaulted file this week.

Send us the basics — merchant, balance, default date — and we'll come back with the lien picture and a recovery plan before you commit to anything.

recovery@oddrecovery.com

Or sign in to the portal to place files directly.