Why do trucking companies accumulate so much MCA debt?

Three industry-specific factors: (1) Freight rates are cyclical — when spot rates drop (like the 2022-2025 freight recession), cash flow drops faster than fixed costs; (2) Fuel costs are volatile and create sudden cash-flow gaps that MCAs fill; (3) Equipment costs are rising (truck prices up 40% since 2020) while the industry's access to traditional financing has tightened. MCAs become the pressure-release valve — but stacking happens fast.

Can I keep operating my trucking company during MCA settlement?

Yes, in most cases. Settlement is explicitly designed to let businesses continue operations while resolving debt. The key is preserving factoring relationships (trucks need steady cash flow) and equipment loans (can't operate without trucks). Delancey Street's approach preserves both while settling MCAs.

What happens to my trucks during debt settlement?

Equipment loans secured by trucks usually are NOT settled — they're kept current or restructured with longer terms. Unsecured MCA debt gets settled. Your trucks stay operational. The exception: if the equipment loan itself is in default, lenders may repossess regardless of MCA work.

How does factoring affect my MCA settlement?

Factoring agreements (TAFS, Apex, RTS, etc.) have UCC-1 priority over MCAs — meaning factors get paid first from receivables. This is actually good for settlement: it means factoring cash flow is protected while MCAs get negotiated. The settlement strategy preserves the factor relationship while reducing MCA debt.

Will MCA settlement hurt my ability to finance new trucks?

For 12-24 months, yes — truck financing companies will see the settled debt on reports. After 18-24 months of clean payment history on existing debt, financing availability returns. Some specialty finance companies (truck-only lenders) will finance post-settlement at higher rates (12-18% APR vs. 6-9% for clean credit).

10 Debt Relief Options for Trucking Companies Buried in MCA Debt

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