State guide

Merchant cash advance debt in Missouri

What Missouri publishes about UCC filings and commercial financing, and how to check your own record. Informational only, not legal advice.

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Your UCC record in Missouri

Funders file a UCC-1 financing statement with the Missouri Secretary of State UCC Online Portal to put other creditors on notice. Search it by your exact legal business name. Lien position: a UCC filing names a secured party, not who gets paid first.

Levraq does not read the Missouri registry yet, so your report will not list Missouri filings. The Debt Check still measures your remittance ratio, stacking and tier from your own answers.

Commercial financing disclosure in Missouri

Missouri Revised Statutes §427.300 (Commercial Financing Disclosure Law), effective disclosure and registration duties operative from 2025-02-28: A provider consummating more than five commercial financing transactions a year must give a disclosure of total funds provided, funds disbursed, total to be paid, total dollar cost, payment manner, frequency and amount, and prepayment terms; brokers register with the Division of Finance. Threshold stated in the statute: transactions over $500,000 are exempt (§427.300.4(9)). Source, checked 2026-11-04.

Confession of judgment in Missouri

Levraq has not recorded a Missouri statute on confessions of judgment in commercial contracts. Whether a confession of judgment in an MCA contract can be entered against a Missouri business is a question for a lawyer licensed there.

Work the numbers

Two calculators that need nothing from any registry: the annualized cost of an advance, and the share of revenue going to remittances. The Debt Check combines both with what you report.

The cash you actually received.

On the contract, e.g. 1.35 means you repay $1.35 per $1.

Day 0
Ends on day 180

How many days the remittances run. Drag, use the arrow keys or pick a common term.

Total payback

$67,500

Advance × factor rate

Cost of the advance

$17,500

Payback minus advance

Simple annualized rate

71%

Cost ÷ advance × 365 ÷ term days. Not a compounded APR; the true cost of a daily-remittance advance is higher because the balance falls while the fee does not.

Average daily payment

$375

Payback ÷ term days

Gross deposits in a typical month.

All advances combined.

Monthly remittance

$9,450

Daily × 21 business days

Remittance-to-revenue

24%

Between 10% and 25%: Strained in the Debt Check rule.

Paid to advances per year

$113,400

At today's pace

UCC coverage is five states (CT, CO, OR, FL, CA) plus SEC filers; no match is not proof of no filing. Informational only, not legal or financial advice. Levraq is a diagnostic and referral service, not a lender, law firm or debt-settlement company. See about.

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Run the Debt Check for a Missouri business

Two minutes. Your remittance-to-revenue ratio, stacked advances, and a Stable, Strained or Critical tier with the rule written out.