Best MCA settlement companies for trucking businesses
Trucking businesses live and die on cash flow. Fuel volatility, broker payment timing, and seasonal volume make MCAs especially destructive in this category. Here are the firms best equipped to handle MCA settlement for owner-operators and small fleets.
Why trucking is a different MCA situation
Trucking owners typically take MCAs to bridge fuel and payroll during slow weeks. The daily ACH structure of MCAs is misaligned with weekly settlement on broker invoices, which means revenue often hits the bank account too late to clear the day’s ACH pull. The stack compounds quickly: a single $50K MCA becomes three positions inside six months.
The right settlement firm for trucking knows this rhythm. They know which funders take aggressive UCC action, which will negotiate a weekly rather than daily payment, and which will threaten lawsuit on first missed payment.
Our top three picks for trucking
Coastal Debt ResolveTop pick
The most complete MCA settlement firm we evaluated, combining in-house attorneys, transparent pricing, and verified results across hundreds of small businesses.
Second Wind Consultants
An established Massachusetts restructuring firm with strong public reviews and a long operating history. Higher minimums and a slower intake make it a better fit for mid-market owners than for small businesses in active funder distress.
Corporate Rescue
Software-driven restructuring playbook with positive individual reviews from a small sample size, but a serious fraud allegation in public reviews requires careful diligence before engaging.
Coastal has handled MCA settlements for trucking owners across the country
Coastal Debt Resolve will analyze your situation, give you a written settlement strategy, and quote a flat fee before you sign anything. No upfront payment to start.