Business Debt Help Options

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We help small businesses gain relief from their debt by modifying their business loan terms and restructuring their payments terms. Business debt relief is accomplished by coming to a mutually beneficial agreement between our clients and their creditor(s).

The reason this is beneficial to business lenders is because most business debts are unsecured. That being the case, it’s better for your lenders that you stay in business. They know the alternative is bankruptcy, and if you had no choice but to go that route, they may end up getting less, or possibly nothing.

Our job is to work directly with your lenders to get you the most relief from your merchant cash advances and other unsecured business debts.


How Effective is Business Debt Relief?

Although we can’t speak for all business debt relief companies, we can speak for ours. At NCP, we take what we do very seriously. We know our clients are overwhelmed with debt and payments when we first speak to them. This is why our first job is to let you know that there is hope and that you’re not alone. Thousands of other business owners are facing similar financial situations.

Our debt relief program is designed to accomplish three main things: reduce your payments, pay off your debts and revive your cash flow. By bringing in all debts that qualify for our program and remaining in our program till the end, we can do this for you as well.


Get Relief From Business Debt Starting Today

Worry and stress over business debt doesn’t have to consume you day and night. There is a solution, and we’re here to help you find it! Our team has the experience, tools and resources to lift your debt stress and help you become cash-flow positive.

Once enrolled in our program, it is important to stay current with your restructured payments. It is equally important to not take out any more high interest loans. You not only want to pay down your current debt, you, just as importantly, don’t want to add to it.


Business Debt Relief vs Bankruptcy

So, what are the advantages of business debt relief compared to filing bankruptcy? This will depend to some degree on the type of bankruptcy, chapter 7, chapter 11 or chapter 13. Chapter 7 is an all out bankruptcy for worst-case scenerio situations. Chapter 7 bankruptcy also has more strict approval guidelines then chapter 11 or 13. And, all three bankruptcy options come with serious credit consequesces.

But how do bankruptcy options compare on a whole to business debt relief? For starters, since business debt relief is a negotiation process made directly with your lenders, and a bankruptcy filing is not needed, it will have a less serious negative impact on your credit. 

Another downside of bankruptcy is the effect it will have on future loan rates. The negative impact you receive from bankruptcy will also mean business loans afterward will come at an even higher interest rate. 

Before considering bankruptcy, see how business debt relief compares and if it’s right for you. 


Our Services

Business Debt Relief

Business debt relief is accomplished by coming to a mutually beneficial agreement between debtor and creditor(s). NCP has the expertise to do their very effectively for our clients. Our team is comprised of dedicated debt relief experts who specialize in business debt relief.

Once enrolled in our business debt relief program, we will get to work immediately to negotiate a payment arrangement that allows you to become cash-flow positive while also paying your debt down faster.

The negative credit impact through our program is less than that of bankruptcy and often times, the payment and pay back terms are more manageable.

Merchant Cash Advance Relief

Merchant cash advance relief is also designed to make manageable, payment terms that have become unmanageable. Like business debt relief, (MCA) merchant cash advance relief is a process of negotiating a mutually beneficial agreement between debtor and lender. This will typically include lowering payments, lowering the interest rate and setting payments on a weekly, bi-weekly or even monthly payment schedule rather than a daily one.

Merchant cash advance loans are designed to give merchants an advance on their business’s sales. Many times, borrowing against future earnnings makes sense and is not highly riskly. But, there are times where, for unforseen reasons, cash-flow slows unexpectedly. When this happens, making the typical 8% to 30% daily payments based on your sales is hard because an MCA is only one of many business expenses. In these situations, it doesn’t take long for the borrower to get behind on payments. That said, it is good to know that in a financial downturn, it is in your merchant lender’s best interest to work with you to find a managable payment arrangement. 

This is where having an expert team of debt negotiators, like NCP, who specialize in relieving business debts such as merchant cash advances, is to your benefit. With our onging working relationship with the different merchant lenders and our toolkit of business debt negotiation knowledge, we will negotiate for you the best, most manageable arrangement possible. 

Business Debt Restructuring

All other business debt help options include the restructuring of business debt. Business debt restructuring is the process of rearranging payment schedules, negotiating interest rates and lowering payment amounts.

A business debt restructuring program is designed to be a win, win. By working with you, your lender is better securing the payback of your loan. And by restructuring your debt in a managable way, you are able to avoid bankruptcy and the negative credit impact that goes along with bankruptcy.

Once cash-flow positive, you can begin making quicker headway on your debt by paying it down early. Or, you can begin building up a surplus of cash so you can avoid the need for another loan if business slows down. Either way, if you manage your income correctly after your business debt has been restructured, you can get your business finances back on track.

Business Loan Modification

Again, this is another common term associated with business debt help. Business loan modification is synonymous with business debt restructuring, they are the same thing, just different wording. 

Typically, someone searching for a modification or restructuring program are not as far behind on their debt as someone searching for a relief or settlement program. So, even though modification or restructuring are a part of business a debt relief program, the wording used is oftentimes telling of how severe their debt situation is.

Services includes:

  • Debt Management
  • Business Debt Restructuring
  • Analyzing Business Debt
  • Business Loan Modification
  • Debt Negotiations
  • Network of Attorney
  • Commercial Debt Restructuring Strategies
  • Debt Counseling Exit Strategies
  • Organization Debt Restructuring
  • Graduated Debt Relief
  • Personal Debt Analysis

Why Us?

We Have Helped Businesses Restructure Millions in Debt. We have over 20 years of combined experience in the industry and an A+ BBB Rating. Our process increases cash flow and eliminates debt.

Who We Are

National Credit Partners is a business financial firm that specializes in business debt relief and business loan modification. By leveraging our knowledge of the Merchant Cash Advance industry and relationships with direct lenders, we are able to get results quickly and without legal action being filed.


Provides a lifeline for over-extended business owners who are drowning in debt.

  • Reduce your business debt payments by up to 40$-60%
  • Improve business cash flow quickly
  • Save your business from closing

AFCC Member

We are an American Fair Credit Council alliance member business. We strive ourselve to follow AFCC’s strict Code of Conduct. AFCC has determined that National Credit Partners meets AFCC Alliance Membership Standards.

Our Office

1551 N. Tustin Ste 190
Santa Ana, CA 92705

Office Hours

Mon-Fri: 8am - 5pm PST
Sat-Sun: Closed

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We are an A+ BBB Rated Company

We do not assume consumer debt or provide tax, bankruptcy, accounting or legal advice. Please contact your tax professional to discuss tax consequences of business debt. By providing your contact information, you agree to receive return telephone calls, emails or other communications from National Credit Partners and/or its affiliates and expressly waive any “No Call” preference or registration. Photographs used are not actual clients. National Credit Partners is not affiliated with CNN, Fox, Forbes, Inc. 500 and logos used are registered trademarks of their respective owners. Programs not available in all states. Read and understand all program materials prior to your enrollment.

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