Every review, ranked in order

Settles business debt and nothing else, $100M+ resolved, attorney-backed, one percentage-of-debt fee.

They don’t negotiate in the ordinary sense, they separate a viable business from its debt through a UCC Article 9 sale.

Cuts the principal, not just the payment, and puts the fee in writing before you sign. Also grades itself #1 on its own review site.

More than 800 reviews across Google and Trustpilot, in-house lawyers, and a BBB A+.

The pick when MCA trouble comes with a tax problem attached, one of the few firms that negotiates business debt and IRS balances.

An actual law firm, which most of this list is not. Built for the funder who already sued you, less efficient for the one who hasn’t.

Nine years on merchant debt and a fresh BBB A+, with a review footprint that lives on exactly one platform.

Second Wind’s restructuring pedigree in a two-year-old wrapper. Excellent Google reviews, and almost no independent record behind them.

The biggest badge collector in debt relief. Legitimately excellent, for credit cards. An MCA is not a credit card.

One flat fee and one weekly payment, with no new loan underneath it. Priced more honestly than most of this list, and roughly five months old.

A BBB A+, no upfront fees, and a deliberately small caseload. Also the firm a competitor’s list told us had shut down, which turned out not to be true.

Some of the best client-satisfaction numbers in the industry, built on personal loans and credit cards, not commercial paper.

Restructuring, not settlement: five payments become one. Cash-flow relief today, sometimes at the cost of paying longer.

Two decades in and $500M+ settled. If your debt is personal they serve you well, if it’s an MCA they’re the wrong tool.

Not a settlement company at all. It arranges refinancing of advances into bank paper at 13–22% APR, and publishes no license number anywhere on its site.

Decent Trustpilot score, a BBB C+, and six federal TCPA suits in six districts inside eighteen months. Verify everything before you sign.

Small, honest, and faster than the giants. We like them. We just wouldn’t send them into a funder fight.

One of the largest debt negotiators in the country. Scale is the pitch, and scale is the tradeoff.

Solid Google rating, a 3.27 on BBB, two BBB profiles under two different trade names, and reports of fees taken before any creditor was contacted.

Markets no upfront fees and pay-only-on-results. Trustpilot reviewers describe a 20% cancellation fee on the loan amount when they tried to leave.

Twenty-eight years of workouts, and three state regulators plus an appellate judgment affirmed against it.

Formed in May 2025, already carrying a BBB F and unanswered complaints, with account links to a firm ranked #18 here.

A BBB F, twenty-six complaints with seven unanswered, a 3.5 Google average, and a virtual office. Last on this list, and not by accident.