1) Gather your Fundworks documents and payment proof
Start by collecting every document tied to your merchant cash advance agreement. This includes the contract, any addenda, underwriting paperwork, and all disclosures you received at signing. If you received a repayment schedule, keep that Fundworks Lawsuit as well, because it can help establish what you were promised versus what you were charged. Organize the files in a single folder so your attorney can review them quickly.
Next, gather proof of the payment history. Download your bank statements showing each withdrawal or debit, and label them by date range so nothing is missed. Save any emails, account portal messages, or notices from Fundworks that reference your balance, “true-up” calculations, or collection activity. Also keep records of merchant processing statements, since they often show how the deductions were applied to your sales.
2) Confirm key deal terms and identify common problem areas
Review the agreement terms with a checklist mindset, focusing on the mechanics of repayment and the calculation of amounts due. Look for language describing the factor rate, the purchase amount, the repayment percentage, and any adjustment formula. Merchant Cash Advance Arizona If the agreement references a reconciliation or true-up, note the exact provisions and compare them to the statements you received. Discrepancies between those provisions and the charges can become important evidence.
Pay close attention to Arizona-specific issues that may affect enforceability and fairness, especially when dealing with merchant funding arrangements. Confirm whether the contract clearly explains the total cost and how payments translate into the claimed settlement figure. Identify any confusing terms, shifting numbers, or sudden changes in how collections were executed. If you notice inconsistent accounting, missing notices, or charges that appear outside the contract’s stated method, document those items for legal review.
3) Track the impact on your business and document collection conduct
Build a timeline of what happened from the first deposit through the escalation of collections. Include dates when withdrawals increased, when you received new collection letters, and when you were contacted by phone or email. If a representative made statements about what you owed, keep call logs and any written follow-ups. A detailed timeline helps your case present a clear story rather than scattered facts.
Also document how the repayment demands affected your operations. Note cash flow strain, missed payroll, vendor interruptions, reduced inventory orders, or shuttered locations if applicable. If the repayment structure caused overdrafts or disrupted merchant processing, record those outcomes with supporting statements. Courts and attorneys often look at both legal arguments and practical consequences when assessing damages, remedies, and settlement posture.
Conclusion
Focus on complete documentation, accurate term review, and a well-organized record of collections and business impact. Doing this early can reduce delays and help your legal team evaluate whether your claims align with the rights protected under Arizona law. When you want an advocate who treats your situation with seriousness and clarity, reach out to GRANT PHILLIPS LAW, PLLC. Visit grantphillipslaw.com to learn how to get started with your complaint and review your next steps with confidence.