Business Debt Relief

Currently Offering Special Relief Programs For Businesses Struggling Due to Coronavirus
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We work directly with our clients and never sell or share information with any third parties.

How Business Debt Relief Works

We help small businesses gain relief from their debt by modifying loan terms and restructuring their payments. This type of program helps businesses struggling with high interest business loans such as merchant cash advances.

It is in the best interest of an unsecured loan business lender to work with us on your behalf. Why? Because unsecured debts aren’t tied to collateral. This being the case, it’s better for your lenders that you stay in business rather than force you into bankruptcy. If you have no choice but to go the bankruptcy route, your creditors know they may end up getting a lesser pay back.

Our job is to work directly with you and your lenders to get you the most relief from your merchant or other unsecured business debts. When consolidating through traditional means, business debt relief is good alternative. 


How Effective is Business Debt Relief?

We can’t speak for all business debt relief companies, but we can speak for ours. At National Credit Partners, we take what we do very seriously. We know in the beginning our clients are overwhelmed with debt and high payments. When we first speak with the stress that their debt has put on them is very apparent. This is why our first job is to let our clients know that they’re not alone and that there is hope. Thousands of other business facing similar financial situations have had their debt stress lifted by a relief and restructuring program such as ours. There’s no reason you can’t do the same.


How does small business debt relief work?

Our debt relief program is designed to accomplish three main things:

  • Reduce your payments.
  • Pay off your debts.
  • Revive your cash flow.

We can do all of the above for you as well if you bring in all debts that qualify for our program. The only other thing you have to do is remain in our program till the end.


Types of Business Debt We Work With

This is typically one of the first questions we get. What type of business debts do we work with? Although, the most common are merchant cash advances, we do work with other business debt types as well. We have listed below the main types of business loans we can help with.

Merchant Cash Advances – this is an option that gives a business funds needed for operating or overhead based on future sales and revenue. With these types of loans, funds are available quickly and are typically electronically deposited into the merchant’s bank account. In many cases, business owners find themselves unable to keep up with the commonly high daily payments and interest rates associated with these types of loans. For situations such as this, a business debt relief program such as ours is a viable solution.

Business Credit Cards – Business credit cards have some advantages over merchant loans, but they also have their cons like any debt. In most cases the interest rate is less than that of a merchant loan, but still high in comparison to a secured loan. Business credit cards are also fairly easy to get approved for and since the payment terms are more flexible than most other business loan types, a business owner can spend a lot of money on a business credit card without noticing just how much until the payments become unmanageable.

Our debt relief program can help gain the relief you need from these type of credit cards. We can even include them in a program with other debt types. Give us a call today to start the process of becoming debt free and cash flow positive.

Private Investment – Private investments can be from angel investors and venture capitalist. Even though funds from such investors is unsecured, they can weigh heavily on a business’s overall profit. This can, in turn, make other business debts, operating costs and other overhead costs more difficult to keep up with.

Like all situations involving high debt to income, there is no one size fits all solution. With that said, our program is flexible enough to encompass most situations.

Micro Loans – Micro loans are smaller business loans that can have some pretty hefty payback terms. Like any other unsecured business debt, micro loans can also spiral out of control. This typically happens when business income slows down or operating costs go up. No matter what the case is, it’s better to deal with unmanageable debt sooner than later.


Get Relief From Business Debt Starting Today

Worrying and stressing 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 burden and help you become cash-flow positive.

It is important to stay current with your restructured payments once enrolled in our program. It is also equally important to not take out any more high interest business or MCA loans. Not adding to your debt is just as important as paying down your current debt.


Business Debt Relief vs Bankruptcy

What are the advantages of business debt relief compared to filing bankruptcy? This depends 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? 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). National Credit Partners has the tools and expertise to negotiate new terms very effectively. Our team is comprised of dedicated experts who specialize in small business debt relief.

Once you’re enrolled in our relief program, we will get to work immediately to negotiate a payment arrangement that allows you to become cash-flow positive and pay down your debts faster. This will help free your mind of worry allowing you to focus on your business and increasing its revenue.

The negative credit impact you take during our program is less than that of bankruptcy. Oftentimes the payment and pay back terms are more manageable as well. You won’t have to deal with lawyers, hearings or any legal aspect that you would have to deal with during a bankruptcy either.

Merchant Cash Advance Relief

Merchant cash advance loans are designed to give merchants an advance on their business’s sales. Many times, borrowing against future earnings makes sense and is not highly risky. However, there are times where cash-flow slows down unexpectedly. When this happens, making the typical 8% to 30% daily payments based on sales is hard because an MCA payment is only one of many business expenses. It doesn’t take long for a borrower to get behind on payments during such downturns. The good news is that it is in your lender’s best interest to work with you to find a manageable payment arrangement.

Merchant cash advance relief is designed to make MCA payment terms that have become unmanageable, manageable. Merchant cash advance relief is a process of negotiating a mutually beneficial agreement between debtor and lender. This typically includes lowering payments, lowering interest rates and setting payments on a weekly, bi-weekly or even monthly payment schedule.

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. National Credit Partners will negotiate the best, most manageable arrangement possible for you. We accomplish this by using our working relationship with the different merchant lenders and our toolkit of business debt negotiation knowledge.


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 manageable way, you are able to avoid bankruptcy and the negative credit impact that goes along with it.

You will quickly be able to make quicker headway paying down your debt. You can also begin building up an emergency fund 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 with 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 cash advance 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 someones debt situation is.

Business Debt Relief Conclusion

As you can see, there are many options for dealing with business debt. The best first step is consulting with an expert. This alone will lift stress just knowing you are ready to deal with the problem. You will soon know that you are by no means alone and that there is an option that can help in your particular situation.

Once you have found the right company and the right program, make an effort to change the way you handle business finances for the better. You don’t want to find yourself in a repeating cycle of being in a financial hardship. Some ideas include looking for ways to save money within your business, ways of expanding your services and increasing customers and saving money to help fund your business needs rather than needing to borrow money.

In the end, you can use the hardship you are facing to avoid another one and work your business smarter, staying in the black even during downturns.

List of Common Business Lenders We Work With

  • Yellowstone Capital
  • GRP Funding
  • Merchant Cash & Capital, LLC
  • Fundkite
  • Kabbage
  • OnDeck
  • Fundry
  • Business Loan
  • Merchant Capital Partners
  • EIN Cap
  • RapidAdvance
  • Swift Capital
  • The Fundworks
  • LG Funding
  • Lending Club
  • Spartan Capital
  • Funding Circle USA Inc.
  • Bitty
  • Capify
  • Bizfi
  • CapAssist
  • Lendini
  • Rapid Finance
  • Credibly
  • Reliant Funding
  • Fora Financial
  • Colonial Funding Network
  • Torro
  • Fundzio
  • BFS Capital
  • Next Level Funding
  • BMF Capital
  • SPG Advance
  • Platinum Rapid Funding Group
  • IBIS Capital Group
  • Lending Valley
  • BlueVine
  • EBF Partners LLC
  • Core Business Finance, Inc.
  • Velocity Capital Group
  • Peak Solutions
  • FB Funding, LLC
  • Retail Capital, llc d/b/a/ Credibly
  • Fundera
  • LiftForward
  • ML Factors Funding
  • WG Capital
  • Hunter Caroline
  • CFG Merchant Solutions
  • Business Credit & Capital
  • 1st Merchant Funding

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

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AFCC Member

business debt relief company seal of approval

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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