ジェーンは自分自身を

高利貸し;多くはウォール街やシリコンバレーの資金によって支援されています。

Their cash comes fast — within hours — and with little paperwork.しかし、費用がかかります。

ジェーンはインディアナ州に住んでいます。 Her lender, which – is not naming to protect Jane’s request for anonymity, is based in New York. But their MCA contract, on Page 9 of 21, names Connecticut as the state whose law would regulate any potential disputes.

近年爆発的に増えた。 Many MCA firms flocked there as an alternative to New York after that state tightened its laws in 2019. In a court deposition in 2022, one New York MCA lender praised the Connecticut process as “probably the most effective way of getting a merchant at least to speak to you again after they have defaulted.”

使用を制限した of that contract-language lever — it’s called a prejudgment remedy waiver — for cash advances under $250,000, like Jane’s.しかし、MCAの弁護士の中には、 すぐに組み立てられた

“What happened is a snowball effect,” Jane says. “When your head is spun into fear, you just see — we’ll get out of this hump, we can handle this. And then when I saw that wasn’t working out, I thought, ‘Well, we’ll get to our busy time and that’ll make it up.’そして、あなたはまたそれをやります。」

2月に証言した 非合法化する法案

アルフィンは証言した。 “There’s going to be very little ability for them to essentially recoup money when the merchants themselves are there to take the money and never pay it back.”

「それは私にとってスパイラルだった」

お金を節約できます。

「もっと知っていればよかった、そう思います。それは私のせいでした。それは私の責任です」とジェーンは言います。 “After all these years in this industry and priding myself on how well I was able to lift the team and do so well, to have this happening at this stage now was extremely devastating.”

ジェーンは友人からお金を借りて、コネチカット州の弁護士を雇おうと探しました。 Within days, in January, she settled her case with a big payment to that lender. She’s still in negotiations over her remaining MCAs but says her business is doing OK.

Just over a month since his bill’s introduction, it has raked in bipartisan support from more than two dozen co-sponsors, including both parties’ leaders in the House.コネチカット州議会は５月６日までにこの法案について採決する予定だ。