State guide

Merchant cash advance debt in Pennsylvania

What Pennsylvania 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 Pennsylvania

Funders file a UCC-1 financing statement with the Pennsylvania Department of State Business Filing Services UCC Search 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 Pennsylvania registry yet, so your report will not list Pennsylvania filings. The Debt Check still measures your remittance ratio, stacking and tier from your own answers.

Commercial financing disclosure in Pennsylvania

Levraq has not recorded a Pennsylvania statute requiring commercial financing providers to disclose cost and terms. Ask a lawyer licensed in Pennsylvania whether one applies to your contract.

Confession of judgment in Pennsylvania

Pennsylvania Rules of Civil Procedure 2950–2967: Pennsylvania still permits confessed judgments on commercial instruments, entered by filing a complaint in the Rule 2952 form with the prothonotary; leave of court is needed if the instrument is over twenty years old or the signed instrument is not attached. Source, checked 2026-11-04.

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.

Free Debt Check

Run the Debt Check for a Pennsylvania business

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