We Protect Your Portfolio
Before Accounts Default.
Half the job is recovery. The other half is making sure you never need it.
RAPPCO monitors your active portfolio for early warning signs, intervenes with troubled merchants before they default, and recovers the accounts that do — all under one roof, led by a founder with 25+ years of real-world business experience, at a fraction of industry cost.
Prevention-Focused
Of our work is proactive — stopping defaults before they happen
Max Contingency Fee
Years Business Experience
Everyone Waits Until It's Too Late. Then the Options Get Worse.
The industry's entire approach to defaults is reactive — wait for the account to go bad, then scramble to recover what you can. Nobody is watching the portfolio for warning signs. Nobody is intervening before the merchant ghosts. That's the real problem.
Collection Law Firms
- ×Slow, litigation-first approach
- ×Minimal visibility into your files
- ×Your account is one of thousands
- ×No MCA-specific expertise
In-House Collections
- ×Requires dedicated headcount
- ×Training, compliance, and turnover
- ×Distraction from core lending business
- ×Inconsistent results without specialization
Doing Nothing
- ×Merchants become judgment-proof
- ×UCC lien value erodes fast
- ×Stacking worsens your position daily
- ×Every day costs you money
Two Services. One Partner.
Portfolio Guard keeps troubled accounts from becoming defaults. Recovery handles the ones that do. No other firm in this space does both.
We're willing to work against our own contingency income by keeping accounts out of collections — because a performing portfolio is worth more to everyone than a recovered one.
Early Warning Detection
GUARDWe monitor your active portfolio for the red flags that signal a merchant is heading toward default — payment pattern changes, stacking activity, communication drop-offs. We spot trouble before it becomes a write-off.
Pre-Default Intervention
GUARDWhen we identify a troubled account, we intervene directly — restructuring payment terms, opening dialogue with the merchant, and working out arrangements that keep revenue flowing. An account kept out of collections is worth more than one recovered from it.
MCA-Specific Recovery Expertise
RECOVERYRTR agreements, UCC-1 filings, stacking positions, confession of judgment — when recovery is needed, we speak your language because we've lived it. Over 25 years of real-world business operations and firsthand experience as an MCA borrower give us an edge that traditional collection firms simply don't have.
Settlement-First Strategy
RECOVERYFaster resolution through negotiated settlements before costly litigation. We resolve — not just litigate. Our archetype classification system identifies the right approach for each defaulted merchant.
Performance-Based Retainer
RECOVERY10–15% contingency vs. the 25–50% charged by traditional collection firms. Our monthly retainer credits directly against contingency fees — if we don't perform, your costs go down automatically.
Choose the Level of Protection You Need
Whether you want proactive portfolio monitoring to prevent defaults or focused recovery on accounts that have already gone south, RAPPCO has a service tier built for your needs.
Portfolio Guard + Recovery
Full-spectrum protection: we monitor your active portfolio, intervene before defaults happen, and recover the accounts that do default.
MCA funders with active portfolios who want to reduce defaults before they happen. Best for funders doing $500K+ in monthly advances who want ongoing portfolio health visibility.
Recovery Only
Focused debt recovery for accounts already in default. No retainer, no monitoring — just results-based collection with MCA expertise.
MCA funders with existing defaulted accounts who need immediate recovery action. No portfolio monitoring needed — just send us the accounts and we go to work.
Not sure which tier is right for you? and we'll recommend the best approach based on your portfolio size and current default exposure.
Your Performing Accounts Are Under Attack.
Debt relief companies are scraping UCC filings daily, calling your funded merchants within days, and convincing them to stop all payments. By the time you notice, the merchant has gone silent and the intervenor has already collected their fees.
MCA-related debt settlement now represents approximately 38% of total debt settlement volume — tripled since 2021. This is not a fringe problem. It is the fastest-growing threat to MCA portfolio performance.
What They Tell Your Merchants vs. What Actually Happens
"We can reduce your balance by 50–80%"
Most settlements range from 30–60%. The debt relief company's fees (10–15%) come out first, reducing the actual benefit. Many merchants end up paying more, not less.
"Just stop paying and we'll handle everything"
A single missed payment triggers an Event of Default. The funder can accelerate the entire remaining balance immediately — not just the daily payment.
"We'll negotiate on your behalf"
Debt relief companies are not law firms. They cannot represent the merchant in court. When the funder sues, the debt relief company hands off to a third-party lawyer or disappears entirely.
Inoculate Your Merchants Before the Call Comes.
Intervenor Shield deploys a 5-step educational communication sequence — starting on Day 0 of funding — that educates merchants about the debt relief playbook before they ever receive the pitch.
By the time the debt relief company calls, your merchant already knows exactly how the scheme works and why it will make their situation worse, not better. Email and phone — no text messages. We deliberately avoid the channel that debt relief companies use for mass solicitation.
100% proactive — reaches merchants before debt relief companies do
Educational, not threatening — factual presentation of consequences, not scare tactics
Branded to your funder — communications come from RAPPCO on behalf of your company
Full audit trail — every communication logged with timestamps for compliance documentation
Welcome & Introduction
Introduces RAPPCO as the merchant's dedicated advisory resource, explains what to expect over the coming weeks, and establishes a direct line of communication.
Understanding Your Agreement
Explains how a merchant cash advance works, why consistent payments matter, and why direct communication with the funder is the merchant's most powerful tool.
Debt Relief Warning
Breaks down exactly how predatory debt relief companies operate — the pitch, the instruction to stop paying, and the devastating financial outcome for the merchant.
Your Rights & Resources
Educates the merchant on their rights, including direct funder communication, regulatory protections, and free advisory support from RAPPCO at any time.
Staying on Track
Recaps the key principles from the series, reinforces that RAPPCO support never expires, and provides the permanent direct line for any future questions.
Standalone Service
Independent of Recovery ServicesIntervenor Shield is offered as an independent, standalone service — separate from RAPPCO's portfolio recovery tiers. You don't need to be a recovery client to protect your performing accounts.
Pricing is tailored to your portfolio size and enrollment volume. Call to discuss how Intervenor Shield fits your operation.
Our 3-Phase Process
From intake to resolution, every step is documented, transparent, and designed to maximize your recovery.
Portfolio Intake
- ◆Secure file transfer & account review
- ◆UCC lien position verification
- ◆Stacking & co-funder analysis
- ◆Priority scoring & recovery strategy
Strategic Outreach
- ◆Multi-channel contact (phone, email, SMS)
- ◆Hardship assessment & settlement sizing
- ◆Negotiation with documented offers
- ◆Legal escalation triggers if no response
Resolution
- ◆Settlement agreements drafted in-house
- ◆Payment plan monitoring & enforcement
- ◆Confession of judgment where applicable
- ◆Full recovery reporting to client
Why RAPPCO PGR Wins on Cost
On a $100K defaulted portfolio with 40% recovery ($40K collected), here's what you actually keep with each option:
RAPPCO PGR
- MCA-Specific Expertise
- Real-Time Client Portal
- Legal Escalation Capability
- Settlement-First Approach
- Retainer Credits Against Fees
Collection Law Firm
- MCA-Specific Expertise
- Real-Time Client Portal
- Legal Escalation Capability
- Settlement-First Approach
- Retainer Credits Against Fees
Collection Agency
- MCA-Specific Expertise
- Real-Time Client Portal
- Legal Escalation Capability
- Settlement-First Approach
- Retainer Credits Against Fees
How the Performance-Based Retainer Works
Our retainer is not an additional fee — it's an advance credit towards the contingency fees earned during each quarter. The monthly retainer is set on a sliding scale based on your average monthly lending volume:
| Avg. Monthly Lending | Monthly Retainer | Contingency Rate |
|---|---|---|
| Up to $1,000,000 | $5,000 | 15% |
| $1,000,001 – $3,000,000 | $7,500 | 12% |
| Over $3,000,000 | $10,000 | 10% |
Quarterly reconciliation: At the end of each quarter, if the contingency fees earned exceed the retainer paid, you simply pay the difference. If the retainer exceeds the contingency earned, the overpayment credits forward and your retainer automatically drops by 50% (to $2,500 / $3,750 / $5,000 respectively) until performance catches up.
The result: if we don't deliver, your costs go down automatically. You're never paying for results you didn't get.
Default Archetype Classification
Not all defaults are the same. We classify every merchant into an archetype and deploy a tailored recovery strategy — before the first call is ever made.
Cash Flow Crisis
Reconciliation & payment deferral
Strategic Defaulter
Immediate demand letter — no pre-legal settlement
Stacker
UCC enforcement priority — document all positions
Ghost
Skip trace, serve at residence, legal escalation
Negotiator
Hold firm on settlement floor — document every offer
Bankruptcy Risk
Accelerate settlement before potential discharge
Fraud
No settlement — legal escalation & DA referral
"We read the tea leaves before the first call is ever made — so every conversation starts with leverage."
See Exactly What's Happening With Every Account
Unlike traditional collection firms, you get complete transparency. Our client portal shows you everything — in real time.
Live Dashboard
Recovery totals, fees earned, active legal files, and recovery rate — updated in real time.
Merchant File Tracking
Every account with UCC position, stacking flags, contact history, and current status.
8-Step Contact Cadence
Documented outreach at every stage — see exactly how many touches each merchant received.
Legal File Management
Active litigation tracked with Expected Value modeling and case status updates.
Settlement Matrix
Recommended settlement ranges based on deal size, UCC position, and merchant profile.
Document Generation
Demand letters, settlement agreements, and payment plans generated from account data — professionally drafted with legal precision.
"I've sat on both sides of this table."
Michael Rappaport
Founder · 25+ Years Real-World Business Experience
With over 25 years of hands-on business operations, Michael has personally utilized hundreds of thousands in merchant cash advances to fund his own businesses. He knows the borrower's mindset — the pressure, the calculations, what motivates a merchant to pay or stall. He brings deep legal knowledge to every engagement — from enforceable demand letters to settlement structuring.
He's also been on the lending side — understanding a funder's exposure, portfolio risk, and why speed matters. RAPPCO PGR was built from both perspectives.
"I know how borrowers think"
Knows when it's a real hardship vs. a strategic default — because he's been the borrower.
"Legal leverage at a fraction of the cost"
Enforceable demand letters, settlement agreements, and confessions of judgment.
"25+ years in the trenches, not textbooks"
Real-world business operations — not theory. Understands cash flow, payroll pressure, and the difference between strategic and genuine hardship defaults.
"No account is too small"
Every placement gets direct, personal attention from the founder — not a junior associate.
Let's Review Your Portfolio.
Whether you need to protect active accounts from default or recover the ones that already have — request a free portfolio review. No obligation. We'll assess your situation and show you exactly how we can help.
Performance-Based Model
Every retainer dollar credits against recovery fees
Request a Free Portfolio Review
Tell us what you're looking for and we'll tailor our response.