Small business debt settlement that keeps your doors open
If merchant cash advances and stacked business loans are draining your daily cash flow, settlement can reduce what you owe and roll it into one affordable payment. In 11 years we've helped small business owners resolve over $500 million in debt, with 4.9★ ratings on Trustpilot and Google.
What is small business debt settlement?
Small business debt settlement is the process of negotiating with your lenders to accept less than the full balance, resolving the debt for a reduced, agreed-upon amount.
Instead of drowning under multiple daily or weekly merchant cash advance payments, our team negotiates directly with each lender on your behalf. The goal: lower the total you owe and consolidate what's left into a single, predictable monthly payment your business can actually afford, so you can stop the bleed and get back to running your company.
It's not a loan and it's not bankruptcy. It's a structured negotiation, handled for you by people who do this every day. Most of the owners we help carry between $50,000 and $400,000 across several stacked advances. About $30,000 is the practical minimum, and there's no upper limit.
Before → After
Signs settlement may be your best option
If two or more of these sound familiar, it's worth a free, no-obligation conversation.
Daily or weekly MCA payments are draining your cash flow.
You've taken a second or third advance just to cover the first.
You're behind on rent, payroll, or suppliers because of debt payments.
Lenders are calling, or you've received notice of a lawsuit or UCC lien.
Your revenue can't keep pace with the repayment schedule.
You want to avoid closing the business or filing bankruptcy.
Settlement vs. consolidation vs. bankruptcy
Three common paths out of business debt, and where settlement fits.
Debt Settlement
- Lowers the total balance you repay
- One affordable monthly payment
- Stops the daily/weekly drain
- Avoids bankruptcy in most cases
- Can affect credit during the program
Consolidation
- Single payment to manage
- You still repay the full balance
- Often needs good credit to qualify
- New interest can offset savings
Bankruptcy
- Can discharge qualifying debt
- Severe, long-term credit damage
- May force the business to close
- Public record, court process
Four steps from overwhelmed to back in control
Free consultation
We review your debts, cash flow, and goals. No cost, no obligation, fully confidential.
Custom plan
We build a settlement strategy and a single monthly payment your business can afford.
We negotiate
Our team works directly with each lender to reduce balances and stop the daily drafts.
You move forward
Debts are resolved one by one until you're free to focus on growing your business again.
The difference settlement can make
Eleven years fighting for small businesses
Business debt only
We focus exclusively on business debt and MCAs, not consumer credit cards.
Proven track record
Over $500M resolved and 4.9-star ratings on Trustpilot and Google.
Dedicated consultant
One senior consultant guides you from first call to final settlement.
Confidential
Your situation stays private. We never share your information.
Small business debt settlement FAQ
About $30,000 in combined MCA or business debt is the practical minimum. Below that, settlement usually doesn't save enough to cover the program fee, and we'll tell you so honestly on the call. Most of our clients carry between $50,000 and $400,000 across several stacked advances, and there's no upper limit.
In most cases, yes. Once you enroll, we work to pause or renegotiate those drafts so the cash drain on your account stops, usually within the first 30 to 90 days, while we build and execute your settlement plan.
There are no upfront fees and your consultation is free. Our program fee is performance-based and fully disclosed before you enroll, built into your new, lower monthly payment, so there are no surprises.
It varies by lender and situation. Balances are settled for meaningfully less than the full payoff, and we'll give you a realistic estimate for your specific debts during your free consultation.
No. A loan gives you new money that you repay in full, often with interest. Settlement negotiates your existing debt down to a reduced amount. You're not borrowing anything.
Settlement can affect credit while balances are being negotiated, but most owners come to us already strained by stacked advances. We'll walk you through the trade-offs honestly during your free consultation so you can decide with clear eyes.
Most clients complete their program in 12 to 36 months, depending on how much debt they carry and what their cash flow allows. We tailor the timeline to what your business can realistically afford.
No. Settlement is designed to help you avoid bankruptcy. For many business owners it's the path that keeps the doors open and the business running.
Completely. Your consultation and all financial details are private, and we never share your information with third parties.
See how much you could settle for.
Get a free, confidential consultation with a senior BDA consultant. No upfront fees, no obligation.
Get my free consultation »
