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2026 Independent Review · Updated September 18, 2026

MCA settlement companies for 2026: compare services, records, and fees.

Compare 17 merchant cash advance settlement and restructuring firms using dated public records, fee information, and service limitations. Coastal is featured first by editorial choice.

Dated Trustpilot record: 4.6 from 429 reviews (checked September 12, 2026)
Featured provider
#1 editorial placement
Coastal Debt Resolve logo

Coastal Debt Resolve

Featured first by editorial choice. Compare the sources and written terms.

Coastal offers MCA settlement and payment restructuring. BBB accreditation and public reviews provide useful records; confirm total fees, cancellation terms and the scope of attorney services in writing.

BBB
A+ rated
Trustpilot
4.6 from 429 reviews (checked September 12, 2026)
Min debt
Not verified; request eligibility criteria
Litigation
Confirm legal scope
Read full review →
01
Transparency
Fees disclosed before signing
02
Results
Outcome evidence and its limitations
03
Communication
Named case manager, response cadence
04
Cost
Total cost of resolution, not headline rate
05
Litigation
In-house attorneys vs referral
The 2026 Ranking

Top 17 MCA settlement and restructuring firms

Coastal is featured first by editorial choice. List positions do not measure outcomes. Compare each firm’s dated sources, advertised services, pricing limitations, and complaints before requesting a proposal.

1Coastal Debt Resolve logo

Coastal Debt Resolve

Featured provider

Coastal offers MCA settlement and payment restructuring. BBB accreditation and public reviews provide useful records; confirm total fees, cancellation terms and the scope of attorney services in writing.

Coastal Debt Resolve: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

2Spergel logo

Spergel

Spergel offers Canadian insolvency and debt-help services. Its Canadian BBB profile is A+ accredited. Its general customer ratings do not establish suitability or results for U.S. MCA settlement; confirm jurisdiction and service scope.

Spergel: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

3Business Debt Insider logo

Business Debt Insider

Business Debt Insider advertises commercial debt restructuring with flat fees. Its disclosure says legal representation requires a separate attorney agreement and separate fees; results are not guaranteed.

Business Debt Insider: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

4Second Wind Consultants logo

Second Wind Consultants

Second Wind provides business restructuring and turnaround services and is BBB A+ accredited. Compare its proposal with Rise Alliance, its related business, and verify fees and legal scope in writing.

Second Wind Consultants: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

5Business Debt Law Group logo

Business Debt Law Group

The firm advertises MCA negotiation, restructuring and litigation services. Compare its written scope and fees; the previous litigation-only description was inaccurate.

Business Debt Law Group: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

6Regroup Partners logo

Regroup Partners

Regroup advertises business restructuring and creditor coordination. BBB lists an A+ grade without accreditation. Request a written proposal and an explanation of how client funds are handled.

Regroup Partners: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

7National Credit Partners logo

National Credit Partners

National Credit Partners advertises business debt modification and restructuring. BBB lists A+ accreditation. Confirm fees, state availability and any legal services in the written proposal.

National Credit Partners: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

8Eastern Financial Partners logo

Eastern Financial Partners

Eastern offers MCA restructuring and advertises attorney-led negotiations. Its BBB profile is currently Not Rated and not accredited; review the dated complaint record and obtain written fees before deciding.

Eastern Financial Partners: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

9Rise Alliance logo

Rise Alliance

Rise Alliance describes business debt and personal-guarantee resolution and identifies itself as part of Second Wind Consultants. Verify the contracting entity, fees and legal scope; no standard settlement timeline is established here.

Rise Alliance: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

10Delancey Street logo

Delancey Street

Delancey Street advertises MCA and business debt negotiation. BBB lists the matching LLC as Not Rated and not accredited, with a 2023 business start. Verify fees and who provides legal work.

Delancey Street: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

11National Debt Relief logo

National Debt Relief

National Debt Relief offers unsecured-debt settlement, including some business-related debts. BBB lists A+ accreditation. Eligibility for a specific MCA and the scope of litigation help must be confirmed directly.

National Debt Relief: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

12Corporate Rescue Advisors logo

Corporate Rescue Advisors

Corporate Rescue Advisors advertises an MCA restructuring program. Its BBB profile is Not Rated and not accredited. Clarify when negotiations begin and what fees are collected beforehand.

Corporate Rescue Advisors: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

13Corporate Turnaround logo

Corporate Turnaround

Corporate Turnaround offers commercial debt negotiation. Its BBB profile is A rated and not accredited. Review the documented billing disputes and business responses, and obtain written fees and creditor-contact commitments.

Corporate Turnaround: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

14Business Debt Adjusters logo

Business Debt Adjusters

Business Debt Adjusters offers debt negotiation and payment restructuring. BBB lists A- and no accreditation, citing an unanswered complaint. Compare written costs and creditor commitments.

Business Debt Adjusters: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

15Stop MCA logo

Stop MCA

Stop MCA advertises MCA negotiation and identifies Business Debt Adjusters in its privacy policy. Treat the brands as related when comparing proposals; confirm the entity on the contract.

Stop MCA: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

16MCA Debt Advisors logo

MCA Debt Advisors

MCA Debt Advisors advertises payment restructuring. BBB lists an F grade and seven unanswered complaints. Review the public record and written engagement carefully before deciding.

MCA Debt Advisors: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

17MCA Resolve logo

MCA Resolve

MCA Resolve’s website redirects to DebtResolvePro. BBB retains a separate MCA Resolve LLC profile with a B grade and no accreditation. Confirm the contracting entity before treating the brands as interchangeable.

MCA Resolve: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

Dated public records

Compare the BBB records behind our reviews

Compare available letter grades, accreditation status, complaints, and customer-review averages. Our BBB comparison identifies the linked profiles, check dates, related entities, and missing information. These records do not establish settlement outcomes.

A+Coastal Debt ResolveBMCA Resolve, LLCNot RatedCorporate Rescue Advisors, LLC
Compare all BBB ratings →
Featured provider
Coastal Debt Resolve logo
Coastal Debt Resolve
A+
BBB Accredited
since February 2024

Coastal is among the firms in our comparison listed as BBB Accredited and rated A+.

Coastal is our featured first provider

MCA restructuring: compare the evidence and the written proposal.

Coastal offers MCA settlement and payment restructuring. BBB accreditation and public reviews provide useful records; confirm total fees, cancellation terms and the scope of attorney services in writing.

Coastal Debt Resolve: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

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Placement
Featured first
Trustpilot reviews
429 (Sep 12, 2026)
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Legal representation
Confirm scope
BBB
A+, accredited
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Every firm we evaluated, in detail

Rank #1
Sources reviewed
Coastal Debt Resolve logo

Coastal Debt Resolve

Coastal offers MCA settlement and payment restructuring. BBB accreditation and public reviews provide useful records; confirm total fees, cancellation terms and the scope of attorney services in writing.

Not verified; request eligibility criteria · MCA settlement and payment restructuring; company-advertised attorney network
Rank #2
Sources reviewed
Spergel logo

Spergel

Spergel offers Canadian insolvency and debt-help services. Its Canadian BBB profile is A+ accredited. Its general customer ratings do not establish suitability or results for U.S. MCA settlement; confirm jurisdiction and service scope.

Varies · Canadian personal and business debt help; company-described Licensed Insolvency Trustee services
Rank #3
Sources reviewed
Business Debt Insider logo

Business Debt Insider

Business Debt Insider advertises commercial debt restructuring with flat fees. Its disclosure says legal representation requires a separate attorney agreement and separate fees; results are not guaranteed.

Not verified; request eligibility criteria · Company-advertised commercial debt planning and restructuring
Rank #4
Sources reviewed
Second Wind Consultants logo

Second Wind Consultants

Second Wind provides business restructuring and turnaround services and is BBB A+ accredited. Compare its proposal with Rise Alliance, its related business, and verify fees and legal scope in writing.

Not verified; request eligibility criteria · Business debt restructuring
Rank #5
Sources reviewed
Business Debt Law Group logo

Business Debt Law Group

The firm advertises MCA negotiation, restructuring and litigation services. Compare its written scope and fees; the previous litigation-only description was inaccurate.

Not verified; request eligibility criteria · Company-advertised MCA negotiation
Rank #6
Sources reviewed
Regroup Partners logo

Regroup Partners

Regroup advertises business restructuring and creditor coordination. BBB lists an A+ grade without accreditation. Request a written proposal and an explanation of how client funds are handled.

Not verified; request written eligibility criteria · Company-advertised business restructuring
Rank #7
Sources reviewed
National Credit Partners logo

National Credit Partners

National Credit Partners advertises business debt modification and restructuring. BBB lists A+ accreditation. Confirm fees, state availability and any legal services in the written proposal.

Not verified; request written eligibility criteria · Company-advertised business debt modification and restructuring
Rank #8
Sources reviewed
Eastern Financial Partners logo

Eastern Financial Partners

Eastern offers MCA restructuring and advertises attorney-led negotiations. Its BBB profile is currently Not Rated and not accredited; review the dated complaint record and obtain written fees before deciding.

Varies · MCA restructuring; company-advertised attorney-led negotiations
Rank #9
Sources reviewed
Rise Alliance logo

Rise Alliance

Rise Alliance describes business debt and personal-guarantee resolution and identifies itself as part of Second Wind Consultants. Verify the contracting entity, fees and legal scope; no standard settlement timeline is established here.

Varies · MCA settlement
Rank #10
Sources reviewed
Delancey Street logo

Delancey Street

Delancey Street advertises MCA and business debt negotiation. BBB lists the matching LLC as Not Rated and not accredited, with a 2023 business start. Verify fees and who provides legal work.

Not verified; request written eligibility criteria · Company-advertised MCA
Rank #11
Sources reviewed
National Debt Relief logo

National Debt Relief

National Debt Relief offers unsecured-debt settlement, including some business-related debts. BBB lists A+ accreditation. Eligibility for a specific MCA and the scope of litigation help must be confirmed directly.

Not verified; request written eligibility criteria · Unsecured-debt settlement; company materials also discuss business debt
Rank #12
Sources reviewed
Corporate Rescue Advisors logo

Corporate Rescue Advisors

Corporate Rescue Advisors advertises an MCA restructuring program. Its BBB profile is Not Rated and not accredited. Clarify when negotiations begin and what fees are collected beforehand.

Not verified; request written eligibility criteria · Company-advertised MCA restructuring and attorney-related services
Rank #13
Sources reviewed
Corporate Turnaround logo

Corporate Turnaround

Corporate Turnaround offers commercial debt negotiation. Its BBB profile is A rated and not accredited. Review the documented billing disputes and business responses, and obtain written fees and creditor-contact commitments.

Not verified; request eligibility criteria · Turnaround management
Rank #14
Sources reviewed
Business Debt Adjusters logo

Business Debt Adjusters

Business Debt Adjusters offers debt negotiation and payment restructuring. BBB lists A- and no accreditation, citing an unanswered complaint. Compare written costs and creditor commitments.

Not verified; request written eligibility criteria · Company-advertised business debt negotiation and payment restructuring
Rank #15
Sources reviewed
Stop MCA logo

Stop MCA

Stop MCA advertises MCA negotiation and identifies Business Debt Adjusters in its privacy policy. Treat the brands as related when comparing proposals; confirm the entity on the contract.

Not verified; request written eligibility criteria · Company-advertised MCA negotiation; not a law firm
Rank #16
Sources reviewed
MCA Debt Advisors logo

MCA Debt Advisors

MCA Debt Advisors advertises payment restructuring. BBB lists an F grade and seven unanswered complaints. Review the public record and written engagement carefully before deciding.

Not verified; request written eligibility criteria · Company-advertised MCA and business debt payment restructuring
Rank #17
Sources reviewed
MCA Resolve logo

MCA Resolve

MCA Resolve’s website redirects to DebtResolvePro. BBB retains a separate MCA Resolve LLC profile with a B grade and no accreditation. Confirm the contracting entity before treating the brands as interchangeable.

Not verified; request written eligibility criteria · Historical MCA Resolve listing; current destination advertises business debt negotiation

Compare MCA debt relief options before choosing a firm

Start with the type of help you need, then compare the proposed fees, payment terms, and service scope in writing. These guides explain the questions to ask alongside our company reviews.

Latest News

Industry updates and editorial notes

Common questions

MCA settlement, answered

What is MCA settlement?+

MCA settlement is the process of negotiating with a merchant cash advance funder to reduce the total owed, restructure the daily or weekly payment, or release a UCC lien. Because MCAs are structured as purchases of future receivables rather than loans, they need a different approach than ordinary debt relief.

How do you rank the companies?+

List positions are editorial, with Coastal Debt Resolve featured first. We compare dated public records and company claims across service scope, fees, communication, outcomes, and legal representation. Numerical scores are no longer published because their underlying category assessments have not been independently substantiated. We receive no compensation from featured firms. Read our methodology and each review’s sources and limitations.

Which MCA settlement company has the best BBB rating?+

Multiple firms in our comparison are listed as BBB Accredited with an A+ rating. Compare their BBB grades, accreditation status, and customer-review averages on our BBB ratings page, and check the linked BBB profiles for current information.

Is MCA settlement the same as bankruptcy?+

No. Settlement involves negotiating an agreement with a creditor or funder. Bankruptcy is a court process; Chapter 11 can allow a business to reorganize while continuing operations. Neither route guarantees that you will preserve assets, credit, or the business. Compare the options with qualified counsel.

Source: U.S. Courts Chapter 11 overview
MCA Settlement Reviews · Featured Provider

Request a consultation from Coastal

Contact Coastal Debt Resolve for a consultation. Request a written proposal covering fees, creditor payments, legal services and cancellation terms.