Ten of the largest companies that help businesses with merchant cash advance debt, rated and compared on what they specialize in, their track record and BBB record, and who each one suits best.
Last updated October 21, 2026 · Expert review by Kate Morgan, debt relief specialist (20+ years)
Advertiser disclosure: Business Debt Relief Pros may receive compensation from some of the companies on this page, which can affect where and how they appear. Facts are taken from each company's website and BBB profile, checked on October 21, 2026.
Some of the largest and longest-running companies helping businesses with merchant cash advance debt are Corporate Turnaround (since 1998), Rise Alliance and its parent Second Wind Consultants (since 2009), Delancey Street, Coastal Debt Resolve, National Credit Partners, Value Capital Funding, ClearBizDebt, Business Debt Ninjas and Creditors Relief. They differ in fees, minimum debt, attorney involvement and whether they restructure, settle or refinance, so compare them on those points rather than on advertised savings.
| # | Company | Our rating | Best for | BBB |
|---|---|---|---|---|
| 1 |  Corporate Turnaround | 4.9 ★ | Owners with several kinds of business debt | A (not accredited) |
| 2 |  Rise Alliance | 4.8 ★ | Complex cases with SBA, tax or landlord debt | A+ (not accredited) |
| 3 |  Second Wind Consultants | 4.7 ★ | Established businesses that need a turnaround plan | A+ (accredited since 2014) |
| 4 |  Delancey Street | 4.6 ★ | Owners facing lawsuits or UCC liens | Not yet rated (not accredited) |
| 5 |  Coastal Debt Resolve | 4.5 ★ | MCA-heavy trucking, restaurant and contractor businesses | A+ (accredited since 2024) |
| 6 |  National Credit Partners | 4.5 ★ | Businesses that want a repayment plan, not a settlement | A+ (accredited since 2018) |
| 7 |  Value Capital Funding | 4.4 ★ | Businesses that may qualify to refinance MCAs | A+ (not accredited) |
| 8 |  ClearBizDebt | 4.2 ★ | MCA-only debt of $20,000 or more | No BBB listing found |
| 9 |  Business Debt Ninjas | 4.1 ★ | Smaller MCA balances | A (not accredited) |
| 10 |  Creditors Relief | 4.0 ★ | Stacked MCAs and lien exposure | A+ (not accredited) |
| Headquarters | Paramus, NJ |
| In business since | 1998 |
| BBB | A (not accredited) |
| Worth knowing | BBB lists 11 complaints in the last three years. |
| Headquarters | New York, NY |
| In business since | 2022 (BBB listing) |
| BBB | A+ (not accredited) |
| Worth knowing | Also listed with BBB under Polaris Business Strategic Advisors Inc. |
| Headquarters | Northampton, MA |
| In business since | 2009 |
| BBB | A+ (accredited since 2014) |
| Worth knowing | One complaint listed by BBB in the last three years. Rise Alliance is its division. |
| Headquarters | New York, NY |
| In business since | 2023 (BBB listing) |
| BBB | Not yet rated (not accredited) |
| Worth knowing | Not a law firm. No complaints listed by BBB in the last three years. |
| Headquarters | Fort Lauderdale, FL |
| In business since | 2018 |
| BBB | A+ (accredited since 2024) |
| Worth knowing | BBB lists 71 complaints in the last three years (33 in the last 12 months). Read them before signing. |
| Headquarters | Costa Mesa, CA |
| In business since | 2018 |
| BBB | A+ (accredited since 2018) |
| Worth knowing | Not a law firm; works with a network of attorneys. Four complaints listed by BBB in the last three years. |
| Headquarters | Boca Raton, FL |
| In business since | Reports 30+ years of experience |
| BBB | A+ (not accredited) |
| Worth knowing | Ask how settlement and legal fees are calculated; at least one public review raises the question. |
| Headquarters | Wall, NJ |
| In business since | Not stated |
| BBB | No BBB listing found |
| Worth knowing | We could not find a BBB profile; verify the company's legal name before enrolling. |
| Headquarters | Albuquerque, NM |
| In business since | Not stated |
| BBB | A (not accredited) |
| Worth knowing | Publishes little about fees, track record or attorney involvement; ask for these in writing. |
| Headquarters | Englewood Cliffs, NJ |
| In business since | 2010 |
| BBB | A+ (not accredited) |
| Worth knowing | Its website describes it as BBB accredited; BBB's own profile lists it as not accredited. |
BBB ratings are a useful signal, not a guarantee. Read the complaints themselves, and remember a young company may simply not be rated yet.
We included companies that focus on merchant cash advance and business debt relief, operate nationally and publish enough information to compare. Our rating is an editorial assessment of experience, range of services, transparency about fees and process, and BBB record. We checked each company's website and BBB profile on October 21, 2026; figures described as "reports" or "shows" are the company's own claims. As noted in our advertiser disclosure, compensation may affect where companies appear. We will correct anything that is out of date: contact us.
It depends on your situation. Compare fees, minimum debt, whether the company restructures, settles or refinances, how attorneys are involved, and its BBB record. A free review can match you with a company that fits your debt and your funders.
Many are. Check the legal business name, BBB profile and complaints, get fees and terms in writing, and avoid any company that guarantees results before reviewing your agreements.
Fees vary by company and program and are often a percentage of enrolled debt or of the savings. Some build fees into the new payment. Get the fee and its timing in writing before you sign.
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