Business Debt Solutions Reviews · 2026
Business Debt Solutions, LLC is a Henderson, Nevada firm that markets merchant cash advance debt relief, along with other business debt negotiation services, to small and mid-sized businesses. Its Better Business Bureau file was opened in May 2026.
Where Business Debt Solutions lands in our 2026 ranking
Business Debt Solutions scores 2.3 out of 5 and ranks 15th of the 15 U.S. merchant cash advance settlement firms we score. Two things put it there: very little independent review evidence, and what evidence exists is weak.
Our methodology puts 65% of the composite on verified review score and volume, and treats fewer than about ten reviews as unproven. Business Debt Solutions has five Trustpilot reviews averaging 2.9 and no Google Business Profile that we could find. Its BBB rating is F, and the BBB file, opened in May 2026, already holds four complaints.
It does score on the parts we can credit. Merchant cash advance relief is the lead service on its website, it publishes a consistent address and phone number across its site and its BBB file, and it is available to U.S. businesses. Those lift the score; they cannot outweigh the review and BBB components.
Read 2.3 as new, thinly reviewed and carrying open complaints. The sections below link every source so you can judge it yourself.
What the BBB complaints say
The BBB complaint file lists four complaints, all filed between May and August 2026. BBB marks two as answered, one as unresolved and one as unanswered. We summarize each below, with the company's published response where there is one. These are complainants' accounts and the company's accounts, not findings of fact.
May 2026, sales and advertising, answered
The complainant says the firm withdrew two payments, held the money in an escrow account rather than paying their funder, and declined a refund after the funder pressed for payment. The company responded that its role as a renegotiation firm, not a payment processor, and its cancellation policy are explained at enrollment, that some clients reach it through independent referral partners whose pre-signing statements fall outside its scope, and that a refund of $377.48 was calculated after the cancellation fee and assessed charges and submitted for release.
May 2026, sales and advertising, unresolved
The complainant says they were told to stop paying an existing lender, that communication lapsed after a returned payment, and that the lender then sent the account to collections and placed a lien on their receivables. The company responded that only one program payment cleared, so the file never advanced to attorney servicing, acknowledged its communication could have been more proactive, and stated that an $850 cancellation fee applied and a cash refund was not being extended, offering a re-enrollment credit instead. The complainant rejected that response.
July 2026, product issues, unanswered
The complainant says about $9,584.90 was withdrawn for creditor payments, that the firm later cited banking and processing problems, and that after cancelling they were promised an itemized accounting and an escrow refund but stopped receiving replies. BBB records no company response.
August 2026, billing, answered
The complainant says the firm failed to pay the debts it was paid to settle. The company responded that it negotiated a settlement with one funder, that $2,700 was paid toward it, and that the client's account had repeated rescheduled and returned payments, and it declined a full refund.
Four complaints is a small number in absolute terms. It is notable relative to a BBB file that is under five months old, and BBB's rating cites both the unanswered complaint and the short operating history.
What the Trustpilot reviews show
The Trustpilot profile is claimed by the company (since January 2026) and shows a 2.9 TrustScore from five reviews. Trustpilot itself notes the company has not recently invited customers to review it and has not replied to negative reviews. Five reviews is too few to say much either way, which is exactly why our methodology treats it as unproven.
The testimonials on the company's own homepage are attributed to first names and initials only. We do not count first-party testimonials in any firm's score, ours included.
What a business owner should verify first
This applies to us as much as to them. Ask any firm you are considering, in writing:
Exactly which legal entity am I contracting with, and which entity receives my payments? Get the full legal name on the agreement and on the bank or custodial account your payments go to, look up each registration, and understand who you would pursue if something went wrong.
What is my total cost in dollars, not percentages? Add every fee: the program fee, any settlement fee, monthly maintenance or administrative charges, returned-payment fees and the cancellation fee. Ask for one number.
Where does my money sit, and when does it reach my funder? If payments go into a holding or escrow account, ask how long funds accumulate before any creditor is paid, and what happens to your funder relationship in the meantime.
What happens if I cancel? Get the cancellation fee and the refund timeline in writing before you enroll, not after.
Will you tell me to stop paying my funder? If so, ask what the firm does if the funder files a lien or a lawsuit while you are enrolled.
How Business Debt Solutions compares to Business Debt Adjusters
We publish this comparison on our own site, so read it with that in mind, and check our numbers the same way we are asking you to check theirs. We also publish an honest self review of Business Debt Adjusters that lists our own weaknesses. Our names are similar; we are unrelated companies.
| Business Debt Solutions | Business Debt Adjusters | |
|---|---|---|
| Trustpilot | 2.9 from 5 reviews | Rated across Trustpilot and Google, linked on the comparison page |
| BBB rating | F, not accredited, 4 complaints | A- |
| Google Business Profile | None found | Claimed and rated |
| Headquarters | Henderson, Nevada | Englewood Cliffs, New Jersey |
| Business started per BBB | BBB file opened May 2026 | January 2016 |
Business Debt Solutions on third-party platforms
We do not publish quotes we cannot independently verify. Use the links below to read the actual public record on the platforms that host it.
Better Business BureauF rating · not accredited · 4 complaints on file→
Trustpilot2.9 out of 5 from 5 reviews at our check→
Official websitebusinessdebtsolutions.com→
Verify it yourself
Every claim on this page links to its public source. Open them and check.
- Official websitebusinessdebtsolutions.com
- BBB profileF · not accredited · file opened May 2026bbb.org
- BBB complaints4 complaints with company responsesbbb.org
- Trustpilot2.9 from 5 reviews at our checktrustpilot.com
Business Debt Solutions reviews: common questions
Is Business Debt Solutions legitimate?
Business Debt Solutions, LLC is an operating company with a live website, a Henderson, Nevada business address and a Better Business Bureau file. Its website markets merchant cash advance debt relief as its lead service. Whether it is the right firm for you is a different question: its public record is short and weak, with an F BBB rating, four BBB complaints since May 2026 and a 2.9 Trustpilot score from five reviews. We found no lawsuits or regulatory actions in the sources we checked. Read the linked complaints and the company's responses, get your total cost in dollars in writing, and read the cancellation clause before you sign.
What is Business Debt Solutions' BBB rating?
The Better Business Bureau rates Business Debt Solutions, LLC F and lists it as not accredited. BBB gives two reasons: failure to respond to one complaint, and the length of time the business has been operating. The BBB file was opened on May 4, 2026 and shows four complaints, two marked answered, one unresolved and one unanswered.
Why does Business Debt Solutions score 2.3 out of 5?
Because 65% of our composite is verified review score and volume, and the firm has five Trustpilot reviews averaging 2.9 and no Google Business Profile that we could find. Fewer than about ten reviews is treated as unproven, which caps that component at 2.0, and a rating below 3.0 takes a further 0.1, so it scores 1.9. BBB standing scores 1.6 for the F rating, MCA specialization scores 4.2 because MCA relief is its lead service among several business debt services, track record scores 1.5 because the public record starts in late 2025, and U.S. availability scores 5.0. The weighted result is 2.3, which places it 15th of the 15 U.S. MCA settlement firms we score.
Where is Business Debt Solutions located?
Its website and its BBB file both give 1550 W Horizon Ridge Pkwy, Ste R #561, Henderson, Nevada 89012, with the phone number (888) 919-9705. Several unrelated firms use similar names, so check the domain businessdebtsolutions.com and the Henderson address before you rely on any rating or review.
Does Business Debt Solutions charge a cancellation fee?
The company's own public response to a May 2026 BBB complaint states that a cancellation fee of $850 applied under that client's enrollment agreement and that a cash refund was not being extended. Another response describes a refund calculated after a cancellation fee and other assessed charges. Fees depend on the individual agreement, so ask for the cancellation terms in writing before enrolling.
More MCA settlement company reviews
Read the rest of the 2026 set, including our own entry, on the full comparison of MCA settlement companies for 2026.
Where to go from here
If MCA payments are squeezing your business, start with how MCA debt relief works, run your numbers through the MCA true-cost calculator, or get a free consultation on your specific file.
