Did your payment processor freeze your funds because of a UCC lien?
If you’ve ever logged into your merchant account only to see deposits suddenly on hold, you know the panic it creates. One common reason this happens is when a payment processor froze funds due to a UCC lien.
A UCC (Uniform Commercial Code) lien is often filed by lenders—especially Merchant Cash Advance (MCA) companies—as a way to secure repayment. Once that filing is active, your processor can be legally pressured to hold back your daily deposits, leaving you unable to cover payroll, pay vendors, or keep operations running smoothly.
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At Shield Merchant, we specialize in helping business owners regain control of their cash flow. Our Protected Merchant Accounts are designed to shield your receivables from aggressive lenders and prevent unexpected freezes. We work with you and your advisors to:
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Keep daily credit card deposits flowing, even if a UCC lien has been filed
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Protect your customers’ payments from sudden processor holds
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Give you the breathing room to resolve debt without shutting down your business
Don’t let a lien dictate your ability to serve customers. If your payment processor froze funds because of a UCC lien, reach out today—we’ll help protect your revenue and keep your business moving forward.
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16
Years of Experience
12
Qualified Experts
300+
Clients Every Year
2
Intl. Partners
ABOUT
Why Choose Us
At Shield Merchant, we believe no business should lose access to its hard-earned revenue because of predatory lenders or aggressive collection tactics. That’s why we created a Protected Payment Processing Program designed to safeguard your merchant account from unnecessary freezes, interruptions, or fund holds.
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The Problem
When lenders file UCC liens or use other collection methods, many payment processors immediately freeze or divert merchant funds. This leaves business owners unable to cover payroll, inventory, or day-to-day expenses—causing unnecessary financial strain and sometimes forcing them into even deeper debt.
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The Shield Merchant Solution
Thanks to our specialized partnerships with trusted processing networks, we’ve established agreements that protect merchants against these practices.
TESTIMONIALS
OUR HAPPY CLIENTS
Who We Serve
Business Owners
Through specialized agreements with our processing partners, we ensure that:
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Funds continue to flow even if a UCC lien or notice is filed.
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Attorneys and debt advisors have time to negotiate settlements without cash flow disruption.
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Merchants maintain control of their receivables—the lifeblood of their business.
Unlike standard processors, our partners do not automatically comply with lender demands to freeze accounts, protecting your most valuable asset: your revenue stream.
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Debt Advisors
Your clients need breathing room to work through their debt. A Protected Merchant Account helps you:
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Stabilize your client’s business during restructuring.
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Prevent sudden account freezes that undermine repayment plans.
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Keep negotiations on track without the distraction of emergency cash shortages.
Attorneys
Protecting client funds is often the first battle. Our accounts give you:
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Time to address liens and judgments without immediate operational shutdown.
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A practical tool to protect receivables while you handle legal strategy.
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An ally in shielding assets so settlements can be reached fairly.
"Together, we protect the lifeblood of business— cash flow."
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