You just made the call most owners put off too long.
Somebody from our team will reach out within one business day. No script, no hard sell — a real conversation about your funders, your numbers, and whether we can actually help. Between now and then, take five minutes and see who you're about to talk to — real clients, real outcomes, every one of them different. Results vary.
11 yrsdoing exactly this
$500M+in enrolled funding
1 personowns your file, start to finish
★★★★★
4.9 on Trustpilot 191 verified reviews
Watch first
John's story — from daily debits to running his business again
John ran All-American Mobile Detailing and was watching daily debits eat every dollar before it cleared. One call changed how the whole thing was structured. Six minutes — worth it before we talk.
6 min
Real client, filmed with his permission. Compensated client testimonial. Results not typical — they vary from one business to the next.
When you enroll, you're assigned one negotiator who owns your case start to finish — not a queue, not a call center. Read the reviews below — clients call out the person who handled their file, which almost nobody in this business can say.
★★★★★
Brandon Boyer was amazing. He was thorough, answered all my questions, and made sure I did not feel rushed.
Worked with Brandon Boyer
BS
Becky Smith
Trustpilot
★★★★★
Jenn Porter has been an absolute gift. Her knowledge, experience, professionalism, and kindness provide trustworthy service.
Worked with Jenn Porter
DC
Dominic Carnazzo
Trustpilot
★★★★★
I cannot express enough gratitude for the service I received from Dedra Jefferies. She showed professionalism and compassion.
Worked with Dedra Jefferies
CR
Chanelle Richards
Trustpilot
★★★★★
Samantha was very knowledgeable and gave me insight into the situation I was in that I had not even thought about.
Worked with Samantha
RS
Richard Slattery
Trustpilot
★★★★★
Brandon Boyer was very honest and clear about what was going to happen in the next couple of weeks.
Worked with Brandon Boyer
JI
Jilberto Irineo
Trustpilot
★★★★★
Jenn played a crucial role in my journey, explaining every detail of how the program works and making me feel confident.
Worked with Jenn
CA
Celso Aoki
Trustpilot
★★★★★
Rizaline Cueto and Dedra Jefferies made my experience amazing. They were professional, knowledgeable, and empathetic.
Worked with Rizaline Cueto & Dedra Jefferies
MW
Millie Wright
Trustpilot
★★★★★
Wonderful service and best representative. She saved my life, and she made my business shine again. Thank you so much!
Worked with
MS
Marco Senghor
Trustpilot
Individual experiences. Results vary from one business to the next.
In their own words
More owners who were exactly where you are
Short, unscripted clips — tap any to play. (John's full story is above.)
Darryl Parraway
Generations Family Guidance, LLC · NJ
They handled the lenders so I could get back to running my business.
Davis Williams
The Best Coffee Company · FL
Suffered a stroke mid-program with MCA loans still outstanding. We kept the pressure off while he focused on his health.
Keith Dugan
Dugans Drywall and Painting LLC · SC
Took MCA funding after a broker disappeared mid-deal, left with payments he couldn't carry.
Mohan Krishna Ramisetty
Krish Radiant Solutions Inc · MI
His IT consulting firm accumulated MCA debt that threatened the whole business model.
Compensated client testimonials. Results not typical — they vary from one business to the next.
What happens next
What the next few weeks look like
Have your funder names and rough monthly numbers handy. That's all we need.
1
The call
You'll talk to a real person, not a rep reading a form back to you. Tell them who your funders are, what you're paying, and what's breaking. They'll tell you honestly whether this is something we can help with — and if it isn't, they'll say so.
15 minutes
2
Underwriting
If it's a fit, we go through your agreements line by line. We already know which funders negotiate and which ones dig in, so we can tell you what a realistic path looks like before we send a single letter. This is where the daily-debit math can turn into a monthly plan you can actually breathe under — what's realistic depends on your contracts and funders.
your agreements, line by line
3
Negotiation
Your negotiator starts working your funders directly. You stop fielding the calls. You get updates on where each file stands, and you get back to running the business. Results vary depending on your contracts, funders, and revenue.
you stop fielding the calls
Your options, honestly
Four ways this can go. Here's the honest read on each.
You're probably weighing more than one of these right now. So here's the straight version — including where the other three sometimes beat us.
Work with BDA
The upsideDaily and weekly debits can stop early in the process. One person owns your file, and if a funder pushes a confession of judgment or a lien, we coordinate defense through licensed attorneys we work with. No new debt, no bankruptcy filing. 11 years and $500M+ in enrolled funding — the funder playbook isn't new to us.
The honest costYou'll make disciplined monthly payments over time, and your relationships with current funders end — so this door closes future advances. For a single small advance, it may not be worth the fee. Results vary.
Keep juggling it alone
The upsideNo fee, and you stay in full control of every conversation.
The honest costYou're the office manager, the negotiator, and the owner all at once. Most funders won't cut a number for someone who doesn't negotiate these daily. Some people pull it off. Most burn out first.
Take another advance
The upsideCash hits your account fast, and today's payment gets covered.
The honest costYou've now stacked another daily debit on top of the ones already squeezing you. This is the move that turns a hard month into a spiral. It treats the symptom and feeds the disease.
Bankruptcy
The upsideIt can wipe the slate when the numbers genuinely can't be saved, and it stops collection cold.
The honest costIt follows your credit for years, and it can pull personal assets and guarantees in with the business. Talk to a bankruptcy attorney before anyone tells you it's your only option — sometimes it is, often it isn't.
Work with BDA
Keep juggling it alone
Take another advance
Bankruptcy
The upside
Daily and weekly debits can stop early in the process. One person owns your file, and if a funder pushes a confession of judgment or a lien, we coordinate defense through licensed attorneys we work with. No new debt, no bankruptcy filing. 11 years and $500M+ in enrolled funding — the funder playbook isn't new to us.
No fee, and you stay in full control of every conversation.
Cash hits your account fast, and today's payment gets covered.
It can wipe the slate when the numbers genuinely can't be saved, and it stops collection cold.
The honest cost
You'll make disciplined monthly payments over time, and your relationships with current funders end — so this door closes future advances. For a single small advance, it may not be worth the fee. Results vary.
You're the office manager, the negotiator, and the owner all at once. Most funders won't cut a number for someone who doesn't negotiate these daily. Some people pull it off. Most burn out first.
You've now stacked another daily debit on top of the ones already squeezing you. This is the move that turns a hard month into a spiral. It treats the symptom and feeds the disease.
It follows your credit for years, and it can pull personal assets and guarantees in with the business. Talk to a bankruptcy attorney before anyone tells you it's your only option — sometimes it is, often it isn't.
We don't win by trashing the other three. We win when the honest comparison lands in our favor — and when it doesn't, we'll tell you on the call.
Choosing a settlement firm
How we compare to other settlement companies
You're probably talking to more than one firm. Good — compare us on the things that actually matter.
Who handles your file
Business Debt AdjustersOne negotiator owns your case start to finish — clients name them in reviews.
What we see elsewhereA queue or call center; a different rep every time you call.
Track record you can check
Business Debt Adjusters4.9 on Trustpilot (191 verified) and 4.7 on Google (230) — public, independent.
What we see elsewhereFew or no independent reviews, or testimonials only on their own site.
What they promise
Business Debt AdjustersA straight answer after seeing your file. If we can't help, we say so — results vary and we say that too.
What we see elsewhereGuarantees before anyone has seen your numbers. That's a red flag — no one can promise an outcome.
Experience with MCA specifically
Business Debt Adjusters11 years on merchant cash advance files, $500M+ in enrolled funding worked.
What we see elsewhereGeneral debt-relief shops that treat an MCA like a credit card. It isn't one.
When it's past settlement
Business Debt AdjustersIf your file needs an attorney, we tell you and point you to one.
What we see elsewhereEnroll first, figure it out later.
6 min
