Stop choosing between writing off defaults and spending $15K to recover $30K.
MCA default rates run 15–20%. Every one of those defaults is a business decision: pursue it and burn legal fees, or absorb the loss. Brief gives you a third option: recover it online in 45 days for a fraction of what litigation costs.
Trusted by Ironwood Finance. No upfront fees. Claims up to $500K.
Collections agency: 25–40% fee, no guarantee
Litigation: $8K–$15K in attorney fees, 6+ months
Write it off: 15–20% of your portfolio gone
Online. 45 days. ~$1,500. Binding award.
The default math is broken. You already know this.
MCA providers face a structural problem that traditional dispute resolution makes worse.
Your advance is $40,000. The merchant defaults. Your options as described above each have serious flaws. None of them are acceptable. At 15–20% portfolio default rates, this is a P&L problem, not an edge case.
Brief turns your MCA arbitration clause into a recovery advantage.
Add Brief's dispute resolution clause to your MCA agreements. When a merchant defaults or disputes the advance terms, you have a defined path: file online, submit your agreement and payment history, Brief assigns an E-Judge, binding award in ~45 days.
No attorneys required on your end. No travel. No hearing dates to coordinate. The merchant can respond from their phone.
The award is court-enforceable. Ironwood Finance converts Brief awards to enforceable judgments as a standard collection step.
Litigation Path
Brief Path
Ironwood Finance built Brief into their standard MCA agreements.
Ironwood Finance uses Brief to resolve MCA and factoring defaults across their portfolio. When a default occurs, the process is already defined in the agreement. Brief issues binding awards that Ironwood domesticates into enforceable judgments.
Ironwood doesn't treat every default as a one-off legal decision. Brief makes default resolution a systematic, scalable process.
Scale this across your portfolio.
If you're funding 50+ advances per month, default resolution isn't a one-off problem. It's an operational function.
With Litigation
With Write-offs
With Brief
MCA disputes don't need hearings. They need decisions.
Your Evidence Lives in Documents
Your MCA agreement, funded amount, payment history, and default notice. That's the dispute. Brief reviews the documents and decides. There's nothing to argue in a conference room that isn't already in the file.
No Attorneys Means Higher Net Recovery
The merchant may choose to retain counsel. You don't have to. Brief's E-Judges evaluate the evidence, not the quality of legal arguments. Your $40K advance doesn't need $12K in attorney fees to recover.
45 Days Protects Your Capital
Your cost of capital is running every day a default sits unresolved. Brief's 45-day timeline means disputes close in the same quarter they open. Your books stay cleaner, and your capital rotates faster.
One addition to your MCA agreement. Every future dispute covered.
Brief provides a free, customizable arbitration clause for MCA agreements. Add it once during your next contract refresh. Every advance funded from that point has a defined resolution path.
Your legal team can review it. We can customize it. The important thing is getting it in before the next default happens.
MCA providers ask hard questions. Here are the honest answers.
Your next default is already in the pipeline.
You can't prevent defaults. But you can define exactly what happens when they occur. A Brief arbitration clause means every future default has a 45-day resolution path. Without it, you're back to the same three bad options.
No upfront fees. No commitment. See how Brief works for your MCA portfolio.