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How to stop MCA brokers from calling you

Tell each broker on the call to put your number on its internal do-not-call list. Then send the same request in writing, log every call after it, register your personal cell at DoNotCall.gov, and let a screener answer unknown numbers.

By MCAFax · Published October 8, 2026

An office telephone rests with its cord unplugged next to an open notebook and a pen in quiet afternoon light. — Know Your Rights · Brokers & Harassment

By MCAFax Â· Last updated: October 8, 2026

General information, not legal advice.

That's the whole answer. The rest of this page is the how, in the order that works, written by people who used to sit on the other end of the dialer.

Why the calls started

If you took one merchant cash advance and the phone hasn't stopped since, it isn't a coincidence. Funders usually file a public UCC-1 financing statement when they fund you. Lead sellers pull those filings, match them to phone numbers, and sell them as fresh leads. The wave usually starts a few weeks after funding.

The full explanation, and how to look up your own filings, is in Why forty brokers have your cell number.

The 7 steps

Use a short script on the next call. Say this, word for word, then hang up: "Put this number on your company's internal do-not-call list. Don't call, text, or email me again, and don't share my number with partners. What's your company's legal name and a callback number?" Write down the date, time, caller ID, and the name they gave. Stop the Calls, Part 1: the 22-second script
Put the stop request in writing. A phone request leaves no proof. Send a dated email from an address you control that covers every channel, revokes any consent they claim, and asks for their written do-not-call policy. Keep the sent copy. Part 2: the written stop request Â· Free cease-and-desist letter
Log the pitch, not just the number. Caller IDs rotate. The pitch line, the company name, and the callback number usually don't. Six columns: date and time, caller ID, name given, first line of the pitch, callback number or link, and stop status. Part 3: the 6-column call log Â· Free call log template (CSV)
Clean up the filing that feeds the list. Search your state's UCC index for your business name. If an advance is paid off but the filing still shows, ask the funder in writing to file a UCC-3 termination. This fixes the record. It won't recall a list that's already been sold. Part 4: how they knew you got funded
Let a screener take the calls. Turn on your carrier's spam filter and your phone's screener for unknown callers. Save customers and vendors as contacts so they still ring through. On a shop line, a call-screening service can play your stop message for you. Part 5: let the screener take call nine
Ask who sold your number. When a broker does get through, ask who they're calling for, where they got your number, and say they may pass your do-not-call request to whoever sold it. If they name a list seller, email that seller and ask it to delete your information and stop selling it. Part 6: who sold them your number?
Register and report. Register your personal cell (not the shop line) at DoNotCall.gov. Report repeat callers at DoNotCall.gov's report page or with the FCC. Paste the dates and pitch lines straight from your log. Our where to complain map shows which agency wants which problem.

The rules behind the steps, scoped honestly

The Do Not Call Registry is for personal numbers. The FTC says business phone numbers and fax lines are not covered. A cell you use for both is worth registering. (FTC: Do Not Call Registry FAQs)
A company you asked has to stop. The FTC says even a company you've done business with must stop calling if you ask, and tells you to write down the date you asked.
Telemarketers must keep a do-not-call list. FCC rules require a written do-not-call policy available on demand, honoring a request within a reasonable time of no more than 10 business days, and keeping it for 5 years. Those rules are written for residential lines and extend to wireless numbers. (47 CFR 64.1200(d)â€“(e))
Autodialed calls and texts to a cell need consent, and you can take it back. Replying "STOP" to a text, or any other reasonable way of saying no, revokes consent. (47 CFR 64.1200(a)(10) Â· FCC: Stop unwanted robocalls and texts)
The TCPA covers some calls, not all. Whether the Telephone Consumer Protection Act (47 U.S.C. 227) applies depends on the type of call and the type of line. A business line gets less protection than a personal cell.

Your call log and your written stop request are a record. You can use that record to report the calls or bring it to a lawyer. Nobody can promise you an outcome from it, and anyone who does is selling something.

For the wider map of rights and limits, see Know Your Rights and the full Stop the Calls series.

Sources:

Last updated: October 8, 2026. Laws and agency pages in this area change. If something here is out of date, tell us at info@mcafax.com and we will fix it. MCAFax is not a law firm and this is not legal advice.

Questions readers actually ask

How do I stop MCA brokers from calling my cell phone?

On the next call, tell the broker to put your number on its internal do-not-call list and ask for the company's legal name. Then send the same request in writing and register the cell at DoNotCall.gov if it's a personal number. Turn on your phone's screener for unknown callers so most of the rest never ring through.

Does the Do Not Call Registry work for business phone numbers?

No. The FTC says the National Do Not Call Registry is for personal numbers, and business lines and fax lines are not covered. On a business line, your main tools are a company-specific stop request, in writing, plus call screening.

Why do MCA brokers keep calling me after I got funded?

Funders usually file a public UCC-1 financing statement when they fund an advance. Lead sellers pull new filings, match them to phone numbers, and sell them to brokers. That's why the calls often start a few weeks after funding.

Is it illegal for an MCA broker to keep calling after I tell them to stop?

It can be, but it depends on the type of call and the type of line. FCC rules require telemarketers to honor do-not-call requests within 10 business days for residential and wireless numbers, and business lines get less protection. Keep a dated log of every call after your request. This is general information, not legal advice.

What should I say to an MCA broker to make them stop calling?

Say: "Put this number on your company's internal do-not-call list. Don't call, text, or email me again, and don't share my number with partners. What's your company's legal name and a callback number?" Then hang up and write down the date, time, and caller ID.

Should I just block MCA broker numbers?

Blocking helps, but brokers rotate numbers, so it won't hold on its own. Use carrier spam filtering and your phone's screener, and send a written stop request to each company that keeps calling. The written request is what creates a record.

Where do I report MCA broker calls?

You can report unwanted sales calls at DoNotCall.gov and file a complaint with the FCC. Include your number, the caller ID, any callback number they gave, and the date and time. If you lost money, report it at ReportFraud.FTC.gov.

How do I stop MCA brokers from texting me?

Reply "STOP" to the text. FCC rules treat "stop" as a valid way to revoke consent to autodialed texts, and the sender must honor it within 10 business days. Screenshot the reply and add it to your call log.

Getting the calls? Shut it down.

MCAFax was built to do the thing you can't do from inside the room: make the phone stop. Check any broker against our member-built database, send cease & desist letters from your own Gmail, and build the paper trail. Some laws, like the TCPA, put statutory damages on illegal calls — whether they apply to your calls depends on your situation, and business lines get less protection than home ones. It's free, and we're not a law firm.

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