Business Debt Relief — A Path Out for Struggling Small Businesses
Business debt relief is the process of reducing or restructuring what a small business owes through negotiation, consolidation, or settlement, without bankruptcy. For service businesses with $30,000 or more in MCA debt, relief usually means settling debts for less than owed while keeping the business operating. Learn more about free consultation.
If your business is cash-flow strained but still operating, relief is more than possible, it's what we do. We've been helping small service businesses escape debt traps since 2015. No judgment. No shame. Just a path out.
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What "business debt relief" actually means
"Business debt relief" is a broad term that covers four different approaches:
- Debt settlement, negotiating with lenders to pay less than you owe
- Debt consolidation, combining multiple debts into one lower-cost loan
- Debt restructuring, renegotiating the terms of existing debt
- Bankruptcy, legal discharge, last resort, closes most doors
Which one fits depends on your specific situation. Most BDA clients need settlement, consolidation, or a combination. Bankruptcy is usually the worst option, not the first one, it closes future lending doors for years and often isn't necessary.
What are the signs your business needs debt relief?
You're likely a candidate for debt relief if you recognize three or more of these:
- Multiple MCAs stacked on top of each other
- Daily or weekly ACH withdrawals are draining your operating account
- You've been denied for new financing recently
- You're stretching payroll, delaying vendors, or missing tax deposits
- You've taken a loan specifically to pay off another loan
- Factor rates on your current debt are 1.3x or higher
- You're considering closing the business because of debt payments
None of these mean your business is failing. Most mean your business is trapped in expensive debt. That's a solvable problem.
What BDA does differently
Most debt relief companies take clients after they've defaulted, after lawsuits, after confessions of judgment, after the situation is critical. We do the opposite.
We work with business owners who are still making payments but falling behind. That's the window where relief works best and costs least. Waiting makes every outcome worse.
We also focus specifically on service businesses, trucking companies, restaurants, construction crews, auto shops, medical practices. These businesses have cash flow patterns that don't fit traditional debt relief templates. We built our process around them.
What are the four BDA debt relief options?
1. MCA Debt Settlement, Negotiated reduction of what you owe. Best for businesses with 2+ MCAs totaling $30,000+. Typically reduces total owed by 35-50%. Learn more →
2. MCA Consolidation, One replacement loan pays off multiple MCAs. Best for businesses with strong revenue but too many high-cost advances. Ends the daily ACH drain. Learn more →
3. Debt Restructuring, Modified terms on existing debt (extended timeline, reduced rate). Best for businesses that can afford the debt at better terms. Learn more →
4. Bankruptcy Alternative, Combination of the above, customized to keep you out of court. Best when you're considering Chapter 7 or 11 but want to explore every other option first. Learn more →
What happens in your free consultation
Fifteen minutes. Phone or video.
We ask about your debt (how much, with which lenders, what terms), your business (industry, revenue, years operating), and your current situation (still paying? missed payments? being contacted by collectors?). Based on that, we tell you which of the four options above, if any, realistically fits.
If we can help, we explain the program, the cost, and the expected timeline. If we can't, we tell you that too, and we'll suggest who can.
No pressure to enroll on the call. Most clients take a day or two to think it over. The consultation is free either way.
Trustpilot Slider here. Below it: "Founded 2015 by Alex Shiyan. 4.9/5 from 193 clients. All 50 states."
How is business debt relief different from consumer debt relief?
Business debt relief deals with commercial obligations, MCAs, SBA loans, equipment financing, business credit cards, vendor debt. The legal framework, negotiation dynamics, and FTC rules differ meaningfully from consumer debt. A firm built for consumer debt often struggles with MCA specifics. BDA is purpose-built for commercial.
Will debt relief save my business or close it?
Our process is specifically designed to keep your business open. Of the four relief paths we offer, only bankruptcy involves potentially closing the business, and bankruptcy is the option of last resort, not first.
How much does debt relief cost?
Our fee is a percentage of enrolled debt, performance-based, disclosed in writing before enrollment. No upfront fees. Typical program fees run 15-25% of enrolled debt, paid over the program timeline.
What's the minimum debt I need to qualify?
$30,000 is the practical minimum. Below that, settlement usually doesn't save enough to cover program fees. We'll tell you during the consultation whether your debt amount makes economic sense.
Can you help if I've already missed payments?
Yes, about a quarter of our current clients came to us after their first missed payment. Missing a payment narrows the timeline but rarely closes options. The earlier you engage after a missed payment, the more options remain. We move fast on default-stage consultations because the legal escalation timeline on MCAs runs faster than almost any other commercial debt.
What if I'm about to be sued by an MCA lender?
If a lawsuit is imminent or filed, BDA coordinates with our attorney network to defend on the legal side while we negotiate settlement on the rest. One consultation, one plan. The clock matters here, book the consultation today, not next week.
Heading: Don't wait for the next missed payment.
Body: Every week you wait, options narrow. The free consultation is 15 minutes. Fifteen minutes can change what's possible.
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