Side by side · 2026
Every firm, one table, no spin
The details that actually decide your outcome: who works business debt, who has lawyers, how the fee is structured, and how long you’ll be in it. Scores come from our five-factor methodology.
| # | Company | Score | Business / MCA focus | Attorneys | Fee model | Min debt | Timeline | Best for |
|---|---|---|---|---|---|---|---|---|
| 1 | Delancey Street ★ #1 Full review → |
9.3 | ✓ Exclusive | ✓ Network | A percentage of the debt · no other fees | Case-by-case | Weeks–months | MCA & stacked business debt, 212-210-1851 |
| 2 | Second Wind Consultants Full review → |
8.3 | ✓ Restructuring | Partners | Transaction-based, unpublished | ~$250K+ | Months | Asset-backed balance-sheet restructures |
| 3 | Business Debt Adjusters Full review → |
8.2 | ✓ Exclusive | ✓ In-house | Written before signing; deferred to fund settlements | Not published | Months | Principal reduction with litigation defense |
| 4 | Coastal Debt Resolve Full review → |
8.0 | ✓ Exclusive | ✓ In-house | Not published | ~$25,000 | Weeks–months | Stacked MCA files above $25K |
| 5 | CuraDebt Full review → |
7.8 | Partial | ✗ | ~20% of enrolled debt | $5,000 | 36–48 mo | Business debt + IRS/state tax balances |
| 6 | Business Debt Law Group Full review → |
7.3 | ✓ Litigation | ✓ Law firm | Retainer and hourly, unpublished | Case-by-case | Litigation pace | Owners already sued or facing a COJ |
| 7 | Corporate Debt Advisors Full review → |
7.1 | ✓ MCA | ✗ | Not published | Not published | Months | Clean pre-suit MCA negotiation |
| 8 | Rise Alliance Full review → |
6.9 | ✓ Restructuring | Partners | Not published | Not published | Months | Files below Second Wind’s minimum |
| 9 | National Debt Relief Full review → |
6.8 | ✗ Consumer | ✗ | 18–25% of enrolled debt | $7,500 | 24–48 mo | Personal unsecured debt at scale |
| 10 | Business Debt Insider Full review → |
6.4 | ✓ MCA | ✗ | Flat fee, disclosed upfront | Not published | Weeks to set up | Payment relief when revenue is recovering |
| 11 | Regroup Partners Full review → |
6.4 | ✓ MCA | ✗ | No upfront fees | Not published | Months | Small shop with a no-upfront-fee structure |
| 12 | Accredited Debt Relief Full review → |
6.4 | ✗ Consumer | ✗ | ~25% of enrolled debt | ~$10,000 | 24–48 mo | Personal debt, high-touch service |
| 13 | National Credit Partners Full review → |
6.3 | ✓ Consolidation | ✗ | Performance-based, verify terms | ~$50K+ | Weeks to set up | Payment-velocity relief, not balance cuts |
| 14 | Pacific Debt Relief Full review → |
6.3 | ✗ Consumer | ✗ | 15–25% of enrolled debt | ~$10,000 | 24–48 mo | Mixed personal balances, long tenure |
| 15 | Value Capital Funding Full review → |
6.1 | ✓ Consolidation | ✗ | 13–22% APR bank refinance | Underwriting-dependent | 3–4 days to pre-approval | Businesses that still qualify for bank credit |
| 16 | Eastern Financial Partners Full review → |
6.0 | ✓ MCA | Claimed | Not published | Not published | Months | Only after independent verification |
| 17 | New Era Debt Solutions Full review → |
6.0 | ✗ Consumer | ✗ | 14–23% of enrolled debt | Flexible | ~28 mo avg | Clean consumer files, boutique service |
| 18 | Freedom Debt Relief Full review → |
5.9 | ✗ Consumer | ✗ | 15–25% of enrolled debt | $7,500 | 24–48 mo | Large personal balances, 7-day service |
| 19 | MCA Resolve Full review → |
5.4 | ✓ MCA | ✗ | Not published; fees reported pre-contact | Not published | Not published | Read the BBB complaints first |
| 20 | Business Debt Ninjas Full review → |
5.4 | ✓ MCA | ✗ | Results-only as marketed; 20% cancellation reported | Not published | Not published | Only with cancellation terms in writing |
| 21 | Corporate Turnaround Full review → |
5.4 | Partial | ✗ | Program-based, unpublished | Not published | Program-length | Vendor and lease debt, if the regulatory file does not deter you |
| 22 | Corporate Rescue Advisors Full review → |
3.8 | ✓ MCA | ✗ | Not published | Not published | Not published | No reader profile we would send here |
| 23 | MCA Debt Advisors Full review → |
3.6 | ✓ MCA | ✗ | Not published; fees reported against no work | Not published | Not published | No reader profile we would send here |
“Consumer” = the firm’s settlement practice is built for personal unsecured debt (credit cards, medical, personal loans); business files are the exception, not the practice. Fee ranges are as published or reported by the companies and vary by state and enrolled amount. Timelines are typical program lengths, not guarantees. Verified August 2026. Scores for firms added this cycle reflect the same five-factor rubric applied to public records at verification time.
The short version
Only one firm checks every box for business debt
Exclusive business-debt focus, attorney-backed leverage, a single percentage-of-debt fee, and week-scale speed. That column combination exists once in this table, across all 23 firms.