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      June 2, 2020

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National Credit Partners vs American Finasco

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To help you find the Best Business Debt Management, provides you with an in-depth comparison of National Credit Partners and American Finasco.

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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.

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4.5 stars
National Credit Partners


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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.

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 easily 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.)

National Credit Partners isn't accredited with the BBB, but the company still has a perfect "A+" rating there. In fact, that's the biggest reason 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.

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.

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.

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3.5 stars
American Finasco


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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.

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.

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.

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.

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%.

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 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.

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.

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.

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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? 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!

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