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 |  Business Debt Insider A flat-fee restructuring practice that folds stacked MCA debt into one weekly payment, with no new loan and no bankruptcy filing. A strong, owner-friendly model, newer and smaller than the category's largest firms. | 4.7 | 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 |  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 → |
| #5 |  National Credit Partners One of the more established names in business debt relief (A+ BBB, accredited since 2018), focused on debt modification and restructuring more than attorney-led MCA settlement. Reviews are mostly positive with a few complaints about fee clarity. | 4.0 | Read review → |
| #6 |  Eastern Financial Partners Attorney-led MCA shop with a genuine 4.8 Trustpilot score (74 reviews), but a young firm (started 2023), not BBB accredited (B+), with documented complaints about robo-dialer calls that continue after opt-out and disputed refunds. | 3.9 | Read review → |
| #7 |  Rise Alliance A Second Wind Consultants brand focused on MCA settlement and cash-flow relief, with strong Google and Birdeye ratings (4.5+ across roughly 289 reviews) but limited standalone BBB transparency. | 3.9 | Read review → |
| #8 |  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 → |
| #9 |  Delancey Street Attorney-network business debt firm (NYC) handling MCA, SBA, and stacked debt with performance-based fees, but with no BBB rating and a thin independent review base to verify outcomes. | 3.8 | Read review → |
| #10 |  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 → |
| #11 |  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 → |
| #12 |  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 → |
| #13 |  National Debt Relief A major, highly-rated consumer debt-settlement company (A+ BBB, 4.73 across 5,900+ reviews), but it does not handle MCA-specific work, no COJ defense, court motions, or funder litigation, so it is the wrong tool for active merchant cash advance distress. | 3.5 | Read review → |
| #14 |  Business Debt Adjusters Long-tenured New Jersey firm with an A rating on its BBB profile and some documented payment-reduction wins, but it is not BBB accredited and draws complaints about high-frequency phone contact and at least one lien dispute. Set written expectations on fees and contact before signing. | 3.4 | Read review → |
| #15 |  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 → |
| #16 |  MCA Debt Advisors Pennsylvania firm carrying an F rating on its BBB profile with 25 complaints on file (six left unanswered) and public reviews alleging large fees for little delivered work. High-caution; verify every fee and creditor contact independently. | 2.6 | Read review → |
| #17 |  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. You can also compare every firm by its real Better Business Bureau rating, verified directly from bbb.org.
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.
Business Debt Insider
A flat-fee restructuring practice that folds stacked MCA debt into one weekly payment, with no new loan and no bankruptcy filing. A strong, owner-friendly model, newer and smaller than the category's largest firms.
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.
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.
National Credit Partners
One of the more established names in business debt relief (A+ BBB, accredited since 2018), focused on debt modification and restructuring more than attorney-led MCA settlement. Reviews are mostly positive with a few complaints about fee clarity.
Eastern Financial Partners
Attorney-led MCA shop with a genuine 4.8 Trustpilot score (74 reviews), but a young firm (started 2023), not BBB accredited (B+), with documented complaints about robo-dialer calls that continue after opt-out and disputed refunds.
Rise Alliance
A Second Wind Consultants brand focused on MCA settlement and cash-flow relief, with strong Google and Birdeye ratings (4.5+ across roughly 289 reviews) but limited standalone BBB transparency.
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.
Delancey Street
Attorney-network business debt firm (NYC) handling MCA, SBA, and stacked debt with performance-based fees, but with no BBB rating and a thin independent review base to verify outcomes.
Corporate Turnaround
Long pedigree in turnaround consulting, but recurring BBB complaints about deceptive billing and undelivered creditor contact pull this firm down significantly.
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.
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.
National Debt Relief
A major, highly-rated consumer debt-settlement company (A+ BBB, 4.73 across 5,900+ reviews), but it does not handle MCA-specific work, no COJ defense, court motions, or funder litigation, so it is the wrong tool for active merchant cash advance distress.
Business Debt Adjusters
Long-tenured New Jersey firm with an A rating on its BBB profile and some documented payment-reduction wins, but it is not BBB accredited and draws complaints about high-frequency phone contact and at least one lien dispute. Set written expectations on fees and contact before signing.
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 Debt Advisors
Pennsylvania firm carrying an F rating on its BBB profile with 25 complaints on file (six left unanswered) and public reviews alleging large fees for little delivered work. High-caution; verify every fee and creditor contact independently.
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.