# MCA Consolidation Reviews

> Side-by-side comparison of 11 merchant cash advance (MCA) debt relief, restructuring and settlement companies in the United States, with BBB grades, Trustpilot and Google ratings, fees, attorney representation and advertised results. Ratings verified 2026-09-24; page updated 2026-09-28.

Publisher disclosure: this site is published by Eastern Financial Partners. Corporate Rescue Advisors is an affiliated company. The publisher lists its own two services first as its recommendation; every other company is ordered by the MCA Relief Score (Trustpilot adjusted for review volume 40%, BBB grade 30%, years in business 15%, fee transparency and BBB accreditation 15%).

## Recommended services (publisher and affiliate)

- [Eastern Financial Partners](https://easternfinancialpartners.com/): Red Bank, NJ. MCA restructuring. An attorney from Rimon Law is assigned to every case from day one (per the company). BBB A+; Trustpilot 4.3 (195 reviews); Google 4.2 (117 reviews). Phone (888) 381-4057.
- [Corporate Rescue Advisors](https://corporaterescue.com/): Boca Raton, FL. MCA restructuring. An attorney from Rimon Law is assigned to every case from day one (per the company). BBB A-; Trustpilot 4.1 (74 reviews); Google no listing found. Phone (888) 381-4057.

## All ranked companies

- [Eastern Financial Partners](https://easternfinancialpartners.com/): #1. Red Bank, NJ. MCA restructuring. BBB A+; Trustpilot 4.3 (195 reviews); Google 4.2 (117 reviews); attorney assigned to every case; in business since 2023; fees: Built into the reduced payment; advertised result: Payments cut up to 60%; debt reduced ~30%. MCA Relief Score 6.7/10.
- [Corporate Rescue Advisors](https://corporaterescue.com/): #2. Boca Raton, FL. MCA restructuring. BBB A-; Trustpilot 4.1 (74 reviews); Google no listing found; attorney assigned to every case; in business since 2025; fees: Not published; advertised result: Payments cut up to 60%; term cut up to 30%. MCA Relief Score 5.7/10.
- [Business Debt Adjusters](https://businessdebtadjusters.com/): #3. Englewood Cliffs, NJ. Settlement firm. BBB A-; Trustpilot 4.9 (190 reviews); Google 4.7 (246 reviews); no attorney representation mentioned; in business since 2016; fees: 15–25% of enrolled debt; no fee unless settled; advertised result: Settles at 50–65% of original balance; $500M+ resolved. MCA Relief Score 8.6/10.
- [Coastal Debt Resolve](https://coastaldebt.com/): #4. Fort Lauderdale, FL. Settlement firm. BBB A+ (accredited); Trustpilot 4.6 (430 reviews); Google 4.5 (401 reviews); attorneys on some cases or via a network; in business since 2018; fees: Program fees; structure not published; advertised result: 57% savings before fees, 27% after fees, over 6–18 months. MCA Relief Score 8.5/10.
- [Second Wind Consultants](https://secondwindconsultants.com/): #5. Northampton, MA. Turnaround consultancy. BBB A+ (accredited); Trustpilot no reviews; Google 4.5 (93 reviews); no attorney representation mentioned; in business since 2009; fees: Not published; advertised result: Case study: “Cuts Balance Sheet by $4MM”. MCA Relief Score 7.8/10.
- [National Credit Partners](https://nationalcreditpartners.com/): #6. Costa Mesa, CA. Restructuring (non-law firm). BBB A+ (accredited); Trustpilot 3.8 (8 reviews); Google 4.2 (23 reviews); attorneys on some cases or via a network; in business since 2018; fees: Not published; advertised result: Weekly payments reduced by up to 58–80%. MCA Relief Score 7.5/10.
- [Corporate Turnaround](https://corporateturnaround.com/): #7. Paramus, NJ. Turnaround firm. BBB A; Trustpilot 3.2 (2 reviews); Google 4.3 (150 reviews); no attorney representation mentioned; in business since 1998; fees: Not published; advertised result: Not published on site. MCA Relief Score 6.8/10.
- [Regroup Partners](https://regrouppartners.com/): #8. Boca Raton, FL. Advisory firm (women-owned). BBB A+; Trustpilot 3.7 (1 review); Google 4.9 (30 reviews); no attorney representation mentioned; in business since 2019; fees: Not published; advertised result: Takes about 200 cases a year. MCA Relief Score 6.6/10.
- [Delancey Street](https://delanceystreet.com/): #9. New York, NY. Settlement firm (attorney network). BBB NR; Trustpilot 4.4 (31 reviews); Google 4.9 (81 reviews); attorneys on some cases or via a network; in business since 2023; fees: Not published; advertised result: $100M+ settled; 50% average payment reduction. MCA Relief Score 4.9/10.
- [Rise Alliance](https://risealliance.com/): #10. New York, NY. MCA resolution (Second Wind division). BBB —; Trustpilot 3.7 (1 review); Google 4.9 (273 reviews); no attorney representation mentioned; in business since 2022; fees: Not published; advertised result: Not published on site. MCA Relief Score 4.6/10.
- [MCA Debt Advisors](https://mcadebtadvisors.com/): #11. Erie, PA. Settlement firm. BBB F; Trustpilot 2.8 (3 reviews); Google 3.5 (169 reviews); no attorney representation mentioned; in business since 2020; fees: Not published; advertised result: Not published on site. MCA Relief Score 3.3/10.

## Reviewed but not ranked

- Stop MCA (stopmca.com): No BBB profile or Trustpilot page found. Not a law firm. Charges an enrollment fee plus a fee on savings. Shares a phone number with Business Debt Adjusters.
- Business Debt Law Group (businessdebtlawgroup.com): A Fort Lauderdale law firm (Rumore Jocelyn Serra PLLC). No BBB profile or Trustpilot page found, and no fees published.
- Business Debt Insider (businessdebtinsider.com): A consulting firm (GRL Recovery LLC) in Fort Lauderdale. $20k minimum. Fees are due only after you see a written plan. No BBB profile or Trustpilot page found.
- National Debt Relief (nationaldebtrelief.com): BBB A+ accredited, 4.7 stars from 45,264 Trustpilot reviews, fees of 15–25%. Its business program lists loans, lines of credit and cards, but not MCAs.
- Spergel (spergel.ca): A Canadian Licensed Insolvency Trustee (BBB A+, 4.9 stars from 2,614 Trustpilot reviews). It serves Canadian businesses only.

## Guides on this page

- [Comparison table](https://mcaconsolidationreviews.com/#compare): every company's ratings, fees, attorney representation, minimum debt and advertised results.
- [How the ranking works](https://mcaconsolidationreviews.com/#method): data sources and the MCA Relief Score formula.
- [Defaulting on an MCA](https://mcaconsolidationreviews.com/#guide): what happens after a missed payment, New York confessions of judgment, Florida usury law, settlement vs. restructuring.
- [FAQ](https://mcaconsolidationreviews.com/#faq): 10 common questions about MCA debt relief.

## FAQ

### What is MCA debt consolidation?

MCA consolidation replaces several merchant cash advance payments, often daily or weekly ACH debits to different funders, with one restructured payment. It usually happens in one of two ways: a restructuring firm negotiates lower payments and longer terms with each funder, or a new lender pays off the existing advances and you repay that one lender. Both aim to reduce how much leaves your bank account each day.

### What happens if I default on a merchant cash advance?

Most MCA contracts let the funder demand the full remaining balance, add default fees, enforce the owner's personal guaranty, send UCC lien notices to your customers or payment processors, and sue, often in New York. Since 2019, New York no longer lets funders file confessions of judgment against businesses located outside New York.

### Can MCA debt be settled for less than I owe?

Often, yes. Funders frequently accept a reduced payoff or lower payments rather than risk a full default. Advertised results vary: Business Debt Adjusters says it typically settles at 50–65% of the original balance, and Delancey Street advertises a 50% average payment reduction. These are the companies' own claims, so ask whether any figure is quoted before or after fees.

### How much do MCA relief companies charge?

Among the companies we reviewed, published fees ran 15–25% of enrolled debt (Business Debt Adjusters; National Debt Relief for other kinds of business debt). Most companies don't publish their fees. Eastern Financial Partners builds its fee into the reduced payment. Get the fee, cancellation terms and refund policy in writing before you sign.

### Is a merchant cash advance a loan?

An MCA is usually structured as a purchase of future receivables, not a loan, so state interest-rate caps typically don't apply. A court may treat it as a loan if repayment isn't truly tied to sales, for example when there's no working reconciliation clause, the term is fixed, or the funder has full recourse if the business fails. If a court finds it's a loan, usury laws can apply.

### Do I need an attorney for MCA debt?

If a funder sues you, you need an attorney; settlement companies that aren't law firms can't represent you in court. Of the 11 companies we ranked, Eastern Financial Partners and Corporate Rescue Advisors say an attorney from Rimon Law is assigned to every case from day one; 3 others work with attorney networks or provide legal resources on some cases; the other 6 don't mention attorney representation.

### How do I check whether an MCA relief company is legitimate?

Look up its BBB profile and complaint history, read recent Trustpilot and Google reviews, confirm that the business name, address and phone number on the contract match those profiles, and get a written fee agreement with cancellation and refund terms. Be cautious of anyone who tells you to stop paying funders without explaining what will happen to your bank account.

### What protections do Florida businesses have against MCA funders?

Florida's criminal usury law (Fla. Stat. § 687.071) makes interest above 25% a year a misdemeanor and above 45% a felony, but it applies only if a court decides the MCA is really a loan. Some Florida businesses have used usury and FDUTPA claims as leverage in settlement talks. A Florida-licensed attorney can tell you whether your contract qualifies.

### Who publishes MCA Consolidation Reviews?

This site is published by Eastern Financial Partners. Corporate Rescue Advisors is an affiliated company. We list our own two services first as our recommendation; every other company is ordered by the MCA Relief Score, a formula based on Trustpilot ratings, BBB grade, years in business and fee transparency.

### How current is this data?

Ratings and review counts were recorded from BBB, Trustpilot, Google and each company's website on September 24, 2026. Ratings change daily, so check the linked sources before you decide.