Best MCA Settlement Companies 2026
The best MCA settlement companies of 2026, compared
If your business is carrying one or more merchant cash advances, the firms below are the names you will keep running into while researching help. We scored each one from its public record using a transparent, disclosed method. Figures were checked on August 4, 2026 and every number links to its source.
The best MCA debt relief and settlement companies of 2026
This page compares the best MCA debt relief companies and MCA settlement companies serving U.S. business owners buried under one or more merchant cash advances. Each firm is scored from its public record and linked to its BBB and Trustpilot sources, and every entry links to our full MCA settlement reviews so you can check the numbers yourself. Whether you searched for MCA debt relief companies or MCA settlement companies, these are the names you will keep running into, ranked by a disclosed method rather than by who paid the most.
Business Debt Adjusters
Top pickOne of New Jersey's longest-tenured MCA settlement firms, reducing principal balances since 2016. That is us.
Coastal Debt Resolve
MCA debt relief for small and mid-size businesses.
Rise Alliance
Business debt resolution with a merchant cash advance resolution service.
MCA Resolve
Merchant cash advance debt relief. Below-average Trustpilot; read the complaints.
Eastern Financial Partners
Business debt restructuring, including MCA.
Second Wind Consultants
Business turnaround consulting; MCA one of several service lines.
Corporate Turnaround
General business debt: vendors, credit cards, leases, loans.
Delancey Street Group
Business debt relief and settlement, including MCA.
National Credit Partners
Business debt mediation and modification, including SBA and bank loans.
MCA Debt Advisors
High cautionMerchant cash advance debt relief. An F BBB grade caps this firm near the bottom.
Corporate Rescue Advisors
High cautionMerchant cash advance debt relief. New firm, F BBB grade.
These carry strong public records but are not U.S. merchant cash advance settlement firms, so they are shown for context and not scored on the list above.
Regroup Partners
⊘ Ceased operations · 2026No longer accepting new clients. Retained here for reference.
Spergel
Canadian Licensed Insolvency Trustee: bankruptcy and insolvency, not United States MCA.
National Debt Relief
Consumer debt (credit cards, personal loans), not business MCA.
Not sure where to start? Our team reviews your funder contracts free and gives you a written strategy before you sign anything.
Start free review →How to judge any MCA settlement company, ourselves included
We are not the cheapest and we are not the most expensive, and like every legitimate company in this space, we charge for our work. No one does this for free. We are not currently BBB-accredited. Accreditation is a paid membership, separate from the letter rating the BBB assigns, and we would rather put our energy into keeping that rating strong and resolving any complaint promptly and fairly. And when it serves the client, we will hold our own fees to fund a settlement first; we have waited months to be paid so a business owner could get settled. We will not win a comparison against every firm on every measure, and we will not pretend to. We put the facts out here, ours and our competitors’, so you can decide who to trust with your business.
When you compare firms, ask three questions, and hold us to them too: Do real customers rate them well, and how do they handle complaints? Does the money actually reach the creditors, or does it disappear into fees? And will the firm ever set its own fee aside to get you settled?
How we scored and ranked the firms
Each firm gets a composite score from 0 to 5, built from five public-record inputs at the disclosed weights below. This is a transparent read of the public record, not a promise about which firm will get you the best result.
Verified customer reviews carry the most weight, both the rating and the number of reviews behind it, because they are the largest body of independent, checkable feedback. We read publicly available information, reviewed third-party platforms including BBB and Trustpilot, and linked every figure to its source so you can trace the composite yourself.
We publish this page, so we include ourselves, and we rank first on this method because of a category-leading 4.9 Trustpilot score across 190 reviews and a pure merchant cash advance focus since 2016. That is a position, not a neutral fact. The disclosure at the top says so plainly, and the weights below are published so you can weigh them yourself.
Verified review score & volume, 65%
Google and Trustpilot ratings combined, then weighted by how many reviews stand behind them. A strong score across hundreds of reviews counts for far more than a high score from a handful, and being present on both platforms counts more than one. This is the largest body of independent, checkable feedback, so it carries the most weight. Fewer than about ten reviews is treated as unproven.
MCA specialization, 12%
Whether merchant cash advance settlement is the core practice or one service among many.
Track record and tenure, 5%
Years operating, weighted toward MCA-specific experience.
U.S. availability, 5%
Whether a U.S. business owner with an MCA can actually hire the firm. Canadian insolvency and consumer-only firms are moved to a separate section.
BBB standing, 13%
Letter grade and accreditation. One input, not the whole score. An F grade caps a firm near the bottom.
Firms that have ceased operations are placed at the bottom of the active ranking regardless of their historical scores, because they can no longer take on new clients.
Each firm, in detail
What they do, what the public record shows, and where each model falls short. Every figure links to its source.
Business Debt Adjusters Top pick
One of the longest-running MCA settlement practices in New Jersey, working these cases since 2016. Each funder is contacted directly and the principal balance is negotiated down rather than the payment simply being restructured. Daily and weekly debits stop, the remaining balance folds into one affordable monthly payment, and an attorney handles any confession of judgment, UCC lien, or lawsuit that follows.
Pros
- Reduces the principal owed, not just the payment schedule
- Litigation defense included: confessions of judgment, liens, and funder suits
- Daily debits stop within days of enrolling
- No new debt and no bankruptcy filing
- Fee structure stated in writing before you sign
Cons
- Funder relationships end, so no new advances from them
- Some funders escalate to litigation before settling
- Requires disciplined monthly payments over the term
- Not the cheapest option if you only carry one advance
Sources: BBB A- · Google 4.7 (226 reviews) · Trustpilot 4.9 (190 reviews) · Our full review →
Coastal Debt Resolve
National MCA settlement practice with in-house attorneys. Carries BBB accreditation and the largest verified Trustpilot record of any firm on this list after our own.
Pros
- Large review volume with high ratings
- BBB A+, accredited since 2024
Cons
- Operates mcasettlementreviews.com, a “review” site that ranks Coastal #1 while linking all traffic to Coastal via referral tracking (domain registered April 2026)
- Named in a 2025 TCPA robocall lawsuit (Trevino v. ABSM, later dismissed) and multiple MCA-funder suits
- Some customer complaints report fees collected before creditors are settled
Sources: BBB A+ · Trustpilot 4.6 (424 reviews) · Our full review →
Rise Alliance
Business debt resolution firm with a merchant cash advance resolution service. No BBB profile was found and its Trustpilot record is a single review.
Pros
- Strong 4.9 Google rating
- Division of the long-established Second Wind Consultants
Cons
- Brand only about 3 years old
- Review footprint largely on first-party / managed platforms
- No BBB profile of its own
Sources: BBB: No BBB profile · Trustpilot 3.7 (1 review) · Our full review →
MCA Resolve
Merchant cash advance settlement firm. Its Trustpilot score is below average across a meaningful review volume, so read the underlying complaints before engaging.
Pros
- MCA-focused; solid 4.4 Google rating (186 reviews)
Cons
- BBB B, not accredited, 24 complaints filed
- Named as a defendant in multiple MCA-funder lawsuits (incl. Newco Capital Group)
- Trustpilot 2.7; complaints report fees taken before creditors are contacted
Sources: BBB B · Trustpilot 2.7 (86 reviews) · Our full review →
Eastern Financial Partners
Business debt restructuring practice that includes MCA. A younger firm than most others on this list, with a strong Trustpilot volume and a mid-range BBB letter grade.
Pros
- Decent Trustpilot rating (4.4)
Cons
- BBB C+, not accredited; failure to respond to 2 complaints
- Only about 2 years in business
- Named in MCA-funder litigation; shares personnel with MCA Resolve
Sources: BBB C+ · Trustpilot 4.4 (192 reviews) · Our full review →
Second Wind Consultants
Established business turnaround consultancy where MCA work is one of several service lines. Holds BBB accreditation but has no U.S. Trustpilot profile to verify.
Pros
- BBB A+, accredited since 2014
- 17-year track record
Cons
- Consulting firm, not a law firm
- Geared to larger balances, so small MCA borrowers may not qualify
- Complaints cite large upfront retainer fees
Sources: BBB A+ · Trustpilot: No U.S. Trustpilot profile · Our full review →
Corporate Turnaround
Long-running turnaround consultancy handling general business debt: vendors, credit cards, leases, and loans. BBB shows a letter grade of A, not accredited, alongside a customer-review average.
Pros
- 28-year track record
- BBB A rating; established office
Cons
- Not BBB accredited
- Dated website and limited fee transparency
- No Trustpilot review presence
Sources: BBB A · Trustpilot: No Trustpilot profile found · Our full review →
Delancey Street Group
Business debt relief and settlement firm that handles MCA among other obligations. Its BBB profile carries no letter grade at time of review.
Pros
- High Google rating
Cons
- BBB “Not Rated,” not accredited; about 3 years old
- Named in a pending TCPA class action (Tom v. Delancey) over lead-generation texting
- Operates a lead-generation model rather than in-house attorneys
Sources: BBB Not rated · Trustpilot 3.9 (26 reviews) · Our full review →
National Credit Partners
Business debt mediation and modification covering SBA and bank loans as well as MCA. BBB accredited, but its Trustpilot profile is too thin to show a score.
Pros
- BBB A+, accredited since 2018
Cons
- Very thin independent review base
- Customer complaints cite fee and quote discrepancies
- Markets “20+ years” despite a 2018 founding
Sources: BBB A+ · Trustpilot 3.8 (8 reviews) · Our full review →
MCA Debt Advisors
Merchant cash advance debt relief firm. An F BBB grade caps this firm near the bottom of the list regardless of its other figures.
Pros
- MCA-focused positioning
Cons
- BBB F, not accredited; failure to respond to 7 complaints
- Reviews allege fees taken while clients were left in default
- Reported virtual office; operates a separate sister entity
Sources: BBB F · Trustpilot 2.8 (3 reviews) · Our full review →
Corporate Rescue Advisors
Merchant cash advance debt relief for businesses. A new firm with an F BBB grade and no Trustpilot profile found at time of review.
Pros
- MCA-focused positioning
Cons
- BBB F, not accredited; formed May 2025 (under 1 year)
- Failure to respond to 2 complaints
- Company pages link to Eastern Financial Partners’ own social accounts
Sources: BBB F · Trustpilot 4.3 (70 reviews) · Our full review →
Regroup Partners
⊘ Ceased operations · 2026No longer accepting new clients. Ceased operations in 2026. Regroup handled business debt settlement including MCA, not exclusively MCA. Figures below reflect the public record and are retained for reference.
Pros
- BBB A+ on record
Cons
- Sole proprietorship, not a law firm
- Complaints cite trust-account and fund-handling concerns
- Appears to have stopped taking new clients (status being confirmed)
Sources: BBB A+ · Trustpilot 3.7 (1 review) · Our full review →
Spergel
A Canadian Licensed Insolvency Trustee with an excellent public record. Because it handles bankruptcy and insolvency in Canada rather than United States MCA settlement, most U.S. MCA owners cannot use it, so it is shown for context and not scored.
Sources: BBB A+ · Trustpilot 4.9 (2,591 reviews) · Our full review →
National Debt Relief
A major, highly rated consumer debt-settlement company for credit cards and personal loans. It does not handle MCA-specific work, so it is shown for contrast only and not scored.
Sources: BBB A+ · Trustpilot 4.7 (approx. 44,000 reviews) · Our full review →
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Frequently asked questions
Is this comparison biased toward Business Debt Adjusters?
We wrote it, so read it with that in mind. What keeps it honest is that every rating on this page comes from a public source you can check, with BBB profiles and Trustpilot pages linked in every row. We also included competitors whose current headline BBB grades are better than ours rather than leaving them out. Our case is not that every number favors us. It is that on the things that matter for MCA debt specifically, specialization, verifiable track record, and transparency, we hold up very well.
What should an MCA debt relief company never promise you?
A guaranteed outcome or a specific savings percentage. Settlement results depend on your contracts, your funders, your revenue, and how far behind you are, none of which a salesperson knows before reviewing your file. Anyone guaranteeing that they will cut your debt by a fixed percentage is telling you what you want to hear. A credible firm explains its process, shows you its public record, and makes no promises about results.
Does BBB accreditation matter when choosing a debt relief firm?
Accreditation and the letter rating are two different things. Accreditation is a program a business applies for and pays dues to maintain. The letter rating is assigned by BBB whether or not the business is accredited. Business Debt Adjusters is not currently BBB accredited, and our current BBB rating is A- (we are pursuing accreditation; the letter rating is what BBB assigns regardless, and we work to resolve complaints promptly), both of which we link on this page so you can read the profile yourself. Check both fields for any firm you consider, and read the underlying complaints rather than stopping at the letter.
How is MCA debt relief different from consumer debt relief?
Consumer debt relief companies such as National Debt Relief work on personal debts like credit cards and personal loans. Merchant cash advance debt is a business obligation with different mechanics: daily or weekly debits, factor rates instead of interest, UCC liens, personal guarantees, and in some cases confessions of judgment. Settling it means negotiating with commercial funders under commercial practices. That is why the comparison above separates MCA specialists from generalist and consumer firms.
Disclosure: This comparison is published by Business Debt Adjusters, which is ranked first. We accept no compensation, referral fees, affiliate payments, or sponsorships from any other company featured on this page, and no link on this page is tracked or compensated. Scores reflect our assessment against the published criteria above and are opinion, not fact. Figures cited from third-party platforms were accurate as of August 4, 2026. If you believe an entry is inaccurate, contact us and we will review it.
