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The Best Business Debt Management Companies

Which Company Offers the Best Business Debt Management Services?

If your company is struggling to manage finances, you might be wondering if there's any way to get out from the weight of debts that threaten to crush your business.

Even when the economy is flourishing, it doesn't always translate into more sales of your product or service, making it even more challenging to manage the day-to-day operational costs and long-term expenses associated with running a business. There are many factors that impact business debt. Do you have a sufficient credit line to stay in business? How well are you managing receivables due in 30 to 60 days? You may be struggling just to get by and keep the lights on while still trying to grow your business.

Thursday, February 9th

2023 Business Debt Management Company Reviews

Top Consumer Reviews Best-In-Class Blue Ribbon Award PCS Debt Relief Review 5 Star Rating

PCS Debt Relief

5 Star Rating
  • Cost: FREE consultation
  • No Upfront Fee
  • No Monthly Charges
  • No Early Cancellation Fees
Top Consumer Reviews Best-In-Class Blue Ribbon Award

If you're looking for business debt management that is easy to understand, with no hidden fees and with an established success record with businesses just like yours, PCS Debt Relief should be the first service you consider.

How does it help?

PCS Debt Relief can help with many aspects of your business debt:

  • Business Debt Negotiating
  • Vendor Debt
  • Business Credit Repair
  • Commercial Lease & Purchase
  • Business Debt Restructuring and Settlement
  • Business Alternatives to Bankruptcy

Explainer video

If you're a visual person, you might like the explainer video on the main Business Debt page to know how the process works. Generally speaking, you'll talk with a business debt analyst to look at your budget and come to an understanding of your financial concerns. When you decide to use PCS Debt Relief for business debt management, their representatives will negotiate with your creditors and help you stay on track for getting out of debt.

Best Business Debt Management Companies


One of the most compelling reasons to use PCS Debt Relief is their transparency. When you have your complimentary consultation with one of their debt analysts, it's possible that you may need a service that they don't provide. In that case, you'll be given contact information for recommended third-party services who can help you, and your representative will even help you know what questions to ask when you make contact with that referred provider. Also, as you work through the debt relief process, you're given total access to the what, when, and why of any actions they are taking on your behalf. In that way, you gain a greater understanding of how to handle your debt effectively in the future. That's just one of the many ways that PCS Debt Relief genuinely has your company's best interests in mind, every step of the way.

A+ rating

PCS Debt Relief is accredited by the BBB, who also gives the company a flawless "A+" rating. Given that the company has no complaints on file there, over more than 9 years in business, that's a big indication that your business is in good hands with this service.

Restructured debt

An even more convincing indicator that PCS Debt Relief can be trusted to help you with your business debt management is found in their case studies. You might find stories that closely match your own, like Al whose construction company was in debt to the tune of $140,000 and was able to use PCS to restructure his debt down to just $45,000 - including the fees paid for the debt management services.

Friendly debt analyst

You can get started with PCS Debt Relief either by filling in their brief online form, which asks for your name, email address, phone number, debt amount and how you heard about their service, or by calling their toll-free number directly. As described earlier, you'll be able to speak with a friendly debt analyst who will work diligently to understand your business' financial situation and figure out what debt resolution program would be right for your circumstances.

Top choice

PCS Debt Relief offers knowledgeable, reassuring business debt management services that are custom-tailored to your unique needs. You'll know exactly what you're getting when you work with their specialists to manage your debt and become solvent again, saving you a considerable amount of money in the process. This service has an excellent reputation for providing no-hassle, expert help no matter how big or small your business may be. PCS Debt Relief is our top pick among services offering help with business debt management.

National Credit Partners Review 4.5 Star Rating

National Credit Partners

4.5 Star Rating
  • Cost: FREE consultation

National Credit Partners has more than 20 years of combined experience when it comes to business loan modification, business debt relief, and other solutions for managing commercial debt. They take an individual approach to every case that comes their way - you won't find any cookie-cutter solutions for your unique business situation.

Not so instant

What steps should you take to work with National Credit Partners? The easiest way is probably to call their toll-free number, and they advertise 24/7 availability. Alternately, you can fill in their "instant savings quote". Although it says that you'll get an instant quote when you fill in your information, that's not accurate. Instead, we were taken to a "thank you" page that said we would need to call their toll-free number to get our instant debt savings quote. If you'd rather not enter your contact information or business details online, we suggest skipping directly to giving them a call. That also saves you the time of having to wait for a callback after you submit the online form.

Experienced negotiators

National Credit Partners isn't accredited with the BBB, but the company still has a perfect "A+" rating there. In fact, that's one of the biggest reasons this business debt management service ranks so high - because their site itself doesn't offer too many hints about what they do and how. But, we put our sleuthing skills to work for you and found that this service uses experienced negotiators, attorneys and mediators for almost every imaginable type of business debt issue.

Best Business Debt Management Companies

Merchant cash advances

One area of specialty we found that National Credit Partners offers is restructuring of Merchant Cash Advances (MCAs). These high-interest rate loans can get business owners in trouble in a hurry, with interest rates that can be as exorbitant as 400%. If you're stuck in an MCA situation, this provider has in-depth experience with restructuring and modifying this particular type of business debt.

Trusted service

Whether you need business debt relief, cash advance restructuring, business loan modification, or some other combination of business debt management. National Credit Partners stands at the ready to help. Of course, as with any provider, we encourage you to consider the details of your specific plan before making a commitment. However, with such a strong reputation with the BBB, this business debt management service can be trusted to develop a plan that works for your company.

Creditors Relief Review 4 Star Rating

Creditors Relief

4 Star Rating
  • Cost: FREE consultation

Creditors Relief believes that the best comprehensive debt relief plans are sustainable, affordable, and suited to each individual company's needs. Over the years that they've been in operation, this service has saved its clients millions of dollars through their confidential business debt management strategies.

Individualized plan

As with most of the business debt management services we evaluated, you begin the process either by filling in an online contact form or by calling their toll-free number. From there, a debt expert will analyze your situation - from current payables and creditor accounts to any other hardships or pertinent circumstances - to create an individualized plan for your specific commercial debt needs. You won't have to commit to working with Creditors Relief until you're completely comfortable with all the terms and conditions of the strategy designed for your unique requirements for debt management.

Customized budget

Part of the services offered by this provider includes a customized budget to help you get out of debt - and stay there. In addition to your lower monthly debt payments, which will result from implementing the plan to manage your debt, you'll be on track to keep your business growing - and solvent.

Best Business Debt Management Companies

Improve your cash flow

Creditors Relief also offers additional resources, like a blog with helpful information for business owners. If you want to know why your company might benefit from working with a financial planner, how to improve your cash flow, or even get some tips for renting a commercial space, you'll find it here.

Good customer service

How does Creditors Relief measure up in terms of reputation? The company has an "A" rating with the Better Business Bureau, in spite of a handful of complaints filed. We were encouraged as we read through the complaints by seeing the detailed responses from Creditors Relief: it became clear that many of the negative comments were coming from clients who didn't adequately understand the terms of their contract, and not because the service had failed to provide them with full transparency.

Actual case studies

We also love it when business debt management services show actual case studies with their results, and in this regard Creditors Relief doesn't disappoint. Scroll down towards the bottom of the page and see for yourself. On average, businesses are saving 50% and more on their debt payments - and that's regardless of business size. You'll find examples of smaller businesses that owed $7000 and only wound up paying $4500, as well as larger businesses owing over $50,000 and only had to pay $25,000. Doesn't that sound reassuring?

Solid option

Creditors Relief is a solid option for business debt management for companies of all sizes. If you're trying to avoid bankruptcy, avoiding collection calls, failing to meet payroll obligations or facing any other financial struggles, this service could provide the pathway you need to get back on your feet and continue to grow your business.

American Finasco Review 3.5 Star Rating

American Finasco

3.5 Star Rating
  • Cost: FREE consultation
  • Fees depend on services provided

In business for over 30 years, American Finasco has a long track record of successfully helping more than 10,000 businesses with commercial debt management needs. With offices in Cleveland, Nashville, Dallas, Houston, Philadelphia and Raleigh, you may even be able to work with their specialists face-to-face, although the company easily provides services no matter where your business is located.

Eligibility requirements

However, because they have very specific criteria to determine the companies they work with, you should determine if you're eligible to be a client before you dig further into their services. Do you meet American Finasco's client profile? Only if you're a "closely-held, under-capitalized corporation, with gross revenues between $500,000 and $100,000,000". In other words, for many smaller businesses, this isn't going to be a possibility for business debt management.

Stellar reputation

However, if your revenues do fall within that range, this is an excellent service for you to consider. American Finasco enjoys a stellar reputation, as demonstrated by an "A+" rating and accreditation from the Better Business Bureau. It's rare to find a company that has zero complaints filed at the BBB, but this business debt management service has that distinction.

Best Business Debt Management Companies

Long list of services

American Finasco offers a long list of services that might be useful for your business. These include the following:

  • Commercial Debt Reduction
  • Alternative to Bankruptcy
  • Commercial Debt Management
  • Business Debt Relief
  • Business Debt Settlement
  • Merchant Cash Advance
  • Third-Party Intervention

We encourage you to click on the "Our Services" link for more detailed information about each of those services, to see which one(s) might be useful in your company's situation.

Case solutions

We also recommend that you look at the Case Solutions page on the American Finasco site. From a charter school in Arizona to an aluminum extrusion company in Texas and more, this company has proven results. Just browsing through a few of the case studies, you'll see savings over $100,000 almost every time, usually representing a reduction of debt in the range of 50-60%.

National attorney network

One big plus when working with this service is their National Attorney Network. Business debt management often has a legal component, so having connections with attorneys who can assist with any court filings, lawsuits, and other legal matters can be a lifesaver - especially since you won't have to pay a large retainer to get them to take your case.

Getting started

Getting started is as easy as filling out their online contact form or calling American Finasco's toll-free number. If you'd like the representative to have some information prior to discussing your situation, the online form is your best option: you can enter how much unsecured debt you have, whether or not there are any lawsuits against you, how many months past due your debt is, and so on.

Dedicated account executive

Let's say you've decided this is the right service for you. How does the process work? Once you've decided to use American Finasco for your business debt management, you'll be assigned an account executive who will be your guide through the whole process. This representative will review the steps that will be taken, gather any necessary information, and provide answers to any questions you may have.

Extremely effective

American Finasco is reliable and extremely effective at providing business debt management. The only drawback is that they only serve larger businesses, which excludes a significant number of potential clients. But, if you own one of those higher-revenue companies and need help getting your debt under control, this provider is an excellent choice.

Commercial Debt Counseling Review 3 Star Rating

Commercial Debt Counseling

3 Star Rating
  • Cost: FREE for a consultation
  • Fees based on services provided

Commercial Debt Counseling is a part of CuraDebt, a well-respected provider of debt relief across a wide spectrum of needs ranging from individual taxpayers to business owners.

How much do you owe?

In order to get started with this service, you'll first answer a few questions about your business debt: how much you owe, whether or not you are currently behind on payments, and in what state your business operates. Be aware that Commercial Debt Counseling is not able to offer services to residents of the following states: Connecticut, Georgia, Kansas, Montana, North Dakota, Oregon, Pennsylvania, South Caroline, Vermont, Washington or West Virginia.

Free consultation

As long as your business is located in one of their available states, the next screen will probably tell you that you qualify for a free consultation to analyze your business' debt. For example, we entered the lowest possible amount of debt and said that we weren't behind on payments, and we still were told that we were eligible for that consultation.

Best Business Debt Management Companies

Live chat is an option

Here's a little hack for you: if you click on the Terms of Service at the bottom of the site, the window that pops up not only gives you access to Commercial Debt Management's toll-free number, but also provides the link to their live chat. If you'd like to get more information on your specific situation without signing up for endless unsolicited calls or texts, this could be your way to go. You still have to enter a name, phone number and email, but you will be connected to a representative via live chat, rather than having to wait to be contacted by phone.

Room for improvement

Overall, parent company CuraDebt has a rock-solid reputation, which means that it could be worth your while to jump through the hoops long enough to get a representative to answer your questions. However, because the division of the company specifically dedicated to business debt management lacks transparency regarding all of those services, we prefer to recommend services that do a better job of letting you know exactly what to expect.

Wininger, Douglas & Green Review 2.5 Star Rating

Wininger, Douglas & Green

2.5 Star Rating
  • Cost: Fees determined on a case-by-case basis
  • FREE initial consultation

Wininger, Douglas and Green is a business debt management firm that has been helping companies in the US and Canada since 1990. Services include restructuring of open and disputed invoices, addressing delinquent accounts payable, handling pending lawsuits and more.

Alternative Dispute Resolution

According to their site, this service relies heavily on techniques of Alternative Dispute Resolution (ADR) when negotiating with creditors. This typically leads to reductions of anywhere from 40% to 80% of the total amount a business owes. This provider also offers a guarantee: if they can't get a settlement that you deem satisfactory, you won't pay any fees.

Certified debt management professional

We were impressed to see that the entire debt settlement process for each account can be taken care of in just a few business days. You begin by filling out the online form or by calling the toll-free number to speak with an experienced Certified Debt Management Professional (CDMP). Your free consultation will include a review of your business needs, to determine if you can benefit from their business debt management services. You'll need to provide specific information about your company, including the causes behind your cash flow problems and/or disputes with creditors.

Best Business Debt Management Companies

You're always in control

Wininger, Douglas and Green emphasizes that, during the process, you are always in control. You decide how much you can afford to pay at any given point during the debt reduction, and you get to determine whether or not preserving the relationship with your creditors is a priority.

Few customer reviews

Despite being in business for over 30 years, this business debt management service doesn't have a rating from the Better Business Bureau. In fact, besides the customer testimonials on their Stop Business Debt website, there were very few reviews from actual clients to be found anywhere.

Website problems

We also had a lot of trouble accessing the Wininger, Douglas and Green site. Sometimes their page was accessible, while other times we got security errors. Even when we were able to load the page, the site itself wasn't secure - not surprising, considering that the copyright for the website was 4 years prior to the time of our most recent review. That's not very encouraging when deciding who to trust with your business' financial situation.

Hard to feel confident

While this could be the most affordable, reputable business debt management service in the nation, it's hard to feel overly confident in choosing them as a provider when we had such issues accessing their site - and when, aside from self-published testimonials, they have almost no "footprint" when it comes to client reviews online. Our best suggestion is that you read through the Wininger, Douglas and Green site, check out the link that shows actual settlements, and decide from there if you'd like to make a call to one of their debt management specialists.

Goldman & Wise Review 1.5 Star Rating

Goldman & Wise

1.5 Star Rating
  • Cost: No fee unless favorable settlement reached

Goldman & Wise claims to have nearly 30 years of experience in helping business owners restructure debt. According to their site, their services can help you handle cash problems, business disputes with vendors and banks, structure favorable financial settlements, and avoid bankruptcy. On average, they reduce "problem debts" by anywhere from 40-80% or more. Best of all, their services are provided on a "No Results, No Fee" basis, so there's no charge for their help if they don't get a settlement that's favorable for your company.

Inside secrets

To get started, you'll have to either fill out their online contact form or call their toll-free number. You can also download a free eBook, "The Inside Secrets", if you'd like to get a feel for how you might be able to reduce your business debt in a DIY way - or get a preview of the kinds of strategies that Goldman & Wise may use on your behalf.

Best Business Debt Management Companies

Hard to verify

It's difficult to say whether or not Goldman & Wise has a strong reputation for handling business debt. There are lots of testimonials on their company site, but there's no independent verification available. The only listing for a Goldman & Wise with the Better Business Bureau is for a collections agency in Florida, not for this debt management company located in Georgia.

Better choices available

To make matters more mysterious, the address given for this company tracks to a co-working suite shared by a financial planner, law office, and an accounting firm. Combine that with a website copyright of 2015, a URL that hasn't been secured, and essentially zero improvements since our last review, you'll soon see why we don't recommend Goldman & Wise for your business debt management needs.

Compare the Best Reviews

Continued from above...

If any of this sounds familiar, finding a reputable business debt management service could be the light at the end of the tunnel. These services can help you avoid bankruptcy - so that you don't have your business assets liquidated and/or burned bridges with creditors whose good faith you may need in the future!

How does business debt management work? Providers work with your suppliers, lenders, creditors and other businesses to restructure what you owe - all while making sure to preserve your reputation with those third-party entities as much as possible, ensuring smooth relationships in the future. Some businesses see a debt reduction of as much as 80% when using the most effective providers!

When choosing a partner to help you manage your delinquent business debt, you want to make sure that you'll actually be better off after using the service. Your provider should be able to help you improve your bottom line, avoid bankruptcy, and keep your company intact. So, how can you tell which business debt management service is right for you? Here are several criteria to keep in mind as you look through your options:

  • Fees. Most services require you to have a consultation, usually at no cost, before providing details on what they can provide. Be sure to read the fine print and make sure you understand exactly what you're getting before you commit. Will you pay a fixed fee, or is it based on how much they save in restructuring your debt?
  • Reputation. What do other business owners say about their experience when using the service? Has the provider been evaluated by the Better Business Bureau?
  • Requirements. Some business debt management services only work with certain amounts of debt or companies of a particular size. Will your debt qualify for restructuring using the service you're considering?

TopConsumerReviews.com has reviewed and ranked the best business debt management services available today. We hope this information helps you get the resources you need to get your business back in the black and to give you peace of mind!

The Best Business Debt Management Companies Compare Business Debt Management Companies Compare Business Debt Management Company Reviews What are the best Business Debt Management Companies Best Business Debt Management Company Reviews

Business Debt Management Company FAQ

It's not easy to run a business. You probably have various creditors, from office supply companies to third-party vendors of services you need to stay operational. Business debt consists of every financial obligation you have.
Your debt becomes an issue when you don't have the income to make payments to creditors. Your debt may have started out small and grown to unmanageable proportions with a downturn in the economy, or you might have taken out a significant amount of credit to start your business but never had the income to get on top of what you owe.
These services work as an advocate, negotiating with creditors to reduce your debts, establish payment plans, and keep your business open. Most of these services also help you develop a budget to manage your finances going forward.
Results vary, but some businesses see a reduction of as much as 80%! The best debt management services will give you clear expectations: what steps you'll take, what results you can anticipate and according to what timeframe.
No. You should be able to get a free initial consultation to determine if a debt management plan is right for your business. From there, it depends on which partner you select: some charge flat fees for their services, while others go by a percentage of what you save in debt repayments.
Absolutely. There are debt management service providers that have been in business for decades, successfully helping companies of all sizes to get back in the black with respect to their finances. However, it's always a good idea to check out the reputation of any business debt management company you're considering: a strong rating from the BBB and ample positive client reviews are both good indicators that your business will be in good hands.
If you're struggling to keep your business afloat and debt payments are a big part of the reason why, you'll likely qualify for business debt management services. Your initial consultation will connect you with an analyst who will ask questions to get a better picture of your situation and recommend the best approach for managing your debt.
Not necessarily. Fortunately, most business debt management plans are "as-you-go" , so you're not locked into a long-term commitment. But, you'll save yourself time and hassle by choosing a reputable provider from the start, eliminating any fears that you might not get the results you need to reduce your business debt.
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The Best Reviews of Business Debt Management Companies