The 10 best MCA settlement companies of 2026
We evaluated 10 merchant cash advance settlement and restructuring firms across five categories. Here is what we found, ranked by composite score.
| Rank | Firm | Score | |
|---|---|---|---|
| #1 |  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. | 4.9 | Read review → |
| #2 |  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. | 4.4 | Read review → |
| #3 |  Spergel An exceptional Canadian licensed insolvency firm with one of the strongest review records in the category. Limited US footprint means most US MCA owners cannot use them. | 4.5 | Read review → |
| #4 |  Corporate Turnaround Long pedigree in turnaround consulting, but recurring BBB complaints about deceptive billing and undelivered creditor contact pull this firm down significantly. | 3.7 | Read review → |
| #5 |  Regroup Partners Consolidation and restructuring firm with no upfront fees and several positive long-term client outcomes. A trust-account complaint flags the need to verify fee handling in writing. | 3.8 | Read review → |
| #6 |  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. | 3.5 | Read review → |
| #7 |  Eastern Financial Partners Attorney-led MCA negotiation team with one of the better Trustpilot scores in the category (4.8 across 74 reviews), tempered by recurring complaints about aggressive sales calls and unfulfilled refund promises. | 4.0 | Read review → |
| #8 | BD Business Debt Law Group Litigation-focused law firm useful for owners already sued by an MCA funder. Less efficient than combined settlement-and-defense firms for pre-litigation cases. | 3.7 | Read review → |
| #9 |  Stop MCA Settlement firm with aggressive marketing presence and intermittent outcomes per public commentary. Approach with diligence on fee structure and creditor-contact verification. | 3.2 | Read review → |
| #10 |  MCA Resolve Significant pattern of negative public reviews and BBB complaints alleging undelivered services, fees taken without creditor contact, and instructions that put clients in default. We do not recommend. | 2.5 | Read review → |
How we ranked the firms
Each firm was scored on five categories: transparency and disclosures, settlement results, client communication, cost and fee structure, and litigation defense capability. Scores are composite. We did not weigh marketing claims, brand recognition, or paid placements. We read the contracts, reviewed public client commentary, and checked third-party platforms (BBB, Trustpilot, court records). Full methodology is available on our methodology page.
Each firm, in detail
Coastal Debt Resolve
Top pickThe 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.
Spergel
An exceptional Canadian licensed insolvency firm with one of the strongest review records in the category. Limited US footprint means most US MCA owners cannot use them.
Corporate Turnaround
Long pedigree in turnaround consulting, but recurring BBB complaints about deceptive billing and undelivered creditor contact pull this firm down significantly.
Regroup Partners
Consolidation and restructuring firm with no upfront fees and several positive long-term client outcomes. A trust-account complaint flags the need to verify fee handling in writing.
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.
Eastern Financial Partners
Attorney-led MCA negotiation team with one of the better Trustpilot scores in the category (4.8 across 74 reviews), tempered by recurring complaints about aggressive sales calls and unfulfilled refund promises.
Business Debt Law Group
Litigation-focused law firm useful for owners already sued by an MCA funder. Less efficient than combined settlement-and-defense firms for pre-litigation cases.
Stop MCA
Settlement firm with aggressive marketing presence and intermittent outcomes per public commentary. Approach with diligence on fee structure and creditor-contact verification.
MCA Resolve
Significant pattern of negative public reviews and BBB complaints alleging undelivered services, fees taken without creditor contact, and instructions that put clients in default. We do not recommend.
#1 in our 2026 ranking: Coastal Debt Resolve
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.