Business Debt Settlement Companies in Miami, Ranked for 2026
Trusted by 5,000+ business owners · $100M+ in MCA debt settled · Attorney-founded · Free consultations: (866) 480-8704
How many MCAs is your business carrying at the moment?
367 Miami business owners responded
Advantages and Drawbacks of MCA Debt Settlement
- •Resolve balances below their face amount
- •End the daily ACH debits
- •Stay out of bankruptcy court
- •Keep the business trading
- •Clear UCC lien filings
- •Costs remain (fees plus the settlement)
- •Expect a 3-6 month process
- •Credit may dip for a time
- •Demands professional counsel
- •Some funders fight the negotiation
What a Settlement Might Save You
Type an approximate MCA balance and read the estimate.
The figures reflect industry averages. Your outcome turns on your own facts.
Case Study: A Miami Auto Repair Shop
The settlement closed at 45 cents on the dollar. No two cases promise the same arithmetic.
Scoring Method
Six weighted dimensions produced these scores, and the weighting leaned local. Miami banks for half a hemisphere, finances Latin American trade, boards cruise passengers in numbers no other city approaches, and builds real estate in cycles that end the way cycles end. We gave added weight to each firm's working knowledge of Florida's Deceptive and Unfair Trade Practices Act, Fla. Stat. Chapter 501, the credit counseling rules at Fla. Stat. § 817.801, and the consumer protection ordinances Miami-Dade County enforces on its own authority. The evaluation was conducted on our own account, with data current through February 2026.
Involvement
Specialization
Volume
Transparency
Outcomes
Expertise
Editor's NoteDelancey Street scored highest across all six evaluation criteria — the only company to achieve a 9.5+ in every category.
Why We Ranked Delancey Street #1
After evaluating dozens of MCA debt relief companies, Delancey Street consistently outperformed on the metrics that matter most: settlement rates, fee transparency, and MCA-specific expertise. Their attorney-founded team has settled over $100M in commercial MCA debt — exclusively. No consumer debt. No side projects. Just MCA.
Delancey Street is a debt relief company, not a law firm.
The advance that funded a Miami storefront does not stay the size it was signed at. This city is where the Americas trade: the Brickell Avenue towers hold the banking desks that serve Latin America, PortMiami boards more cruise passengers than any port on earth while moving freight the region depends on, and the capital that runs between them never found adequate service from conventional lenders. Merchant cash advance funders settled into that gap years ago and made themselves comfortable. You sign the advance and then you discover what the advance means. Delancey Street built its practice on the other side of those contracts: settlement work directed by attorneys, commercial files only, more than $100 million resolved. Its Miami caseload has grown with the city since the pandemic, which says something about how the growth was financed.
The work is technical, and the technical part is the difference. Delancey Street's lawyers read an advance contract the way opposing counsel will read it: whether the reconciliation provisions create a genuine purchase of future receivables or dress a loan in purchase clothing for Florida's usury statutes to examine, whether the UCC-1 filing that froze an operating account at a bank on Brickell or in Coral Gables can be contested, and when collection conduct invites the Florida's Deceptive and Unfair Trade Practices Act (DUTPA) into the file, a statute written for the precise methods some funders prefer against Miami-Dade small businesses. Importers in Doral, venues on Ocean Drive, startups in Wynwood: the stacking pattern repeats across all of them, and the last advance in the stack tends to carry terms that should have embarrassed someone. Whether the risk was priced or passed along untouched is a question worth sitting with. A market that does business in two languages requires counsel fluent in Florida commercial law and in the way Miami trades, and we would put that requirement first.
A single advance tends to resolve in 2 to 8 weeks. Stacks take longer. The Miami file we see most often carries three to five advances at once, and clearing a stack of that depth runs 3 to 12 months. The fee is a percentage of enrolled debt, and it is collected after a settlement closes, not before it.
Pacific Debt Relief wins on arithmetic. The firm, founded in 2002 and based in San Diego, charges 15 to 25% of what the creditor accepts rather than of the balance enrolled, and for a Miami owner carrying a large unsecured balance that distinction is money. Take a $50,000 debt settled for $25,000. Pacific computes its fee on the $25,000 settlement figure while the standard model computes on the full $50,000, so the same outcome arrives at about half the cost.
Operators in hospitality, real estate services, and the import-export corridor watch their costs the way Miami teaches them to, and this fee structure is the reason they call. The firm has settled more than $500 million since inception and holds a 4.8-star rating across 2,200+ verified reviews. The South Florida client experience mirrors the national one: dedicated negotiators, progress a client can inspect, and programs that run 24 to 48 months to completion. There are exceptions to that calendar, though not many worth planning on.
The boundary that holds Freedom back holds Pacific back as well. The model was designed for consumer unsecured debt, and a merchant cash advance default asks questions the model cannot answer. No counsel stands ready to challenge a UCC lien, to contest collection conduct under Florida DUTPA, or to negotiate against the specialized funders most active in the South Florida corridor. On consumer balances the value is real. An MCA file needs the legal arm Pacific never built, and that settles the question before the first call is placed.
Scale is the whole argument for Freedom Debt Relief, and it is a serious argument. The San Mateo company has resolved more than $20 billion for more than one million clients since 2002, which makes it the largest debt settlement operation in the United States. A Miami business carrying mixed unsecured obligations, credit cards, personal guarantees, medical collections, and whatever else a hard year left on the books, receives machinery and creditor relationships that smaller firms cannot match across that many account types at once.
Volume gives the company its footing here. Family restaurants in Little Havana, retail operators in Aventura, logistics firms out in Doral: Miami-Dade produces nearly every debt profile a negotiator could meet, and Freedom processes consumer and quasi-commercial accounts in quantities most firms never see. Its teams hold standing relationships with the major creditors and collection agencies that work South Florida, and standing relationships produce settlement ratios and timelines a client can plan around. None of this is glamorous work, which has never made it less useful.
The limit appears the moment a merchant cash advance enters the file. Freedom was engineered for consumer unsecured debt rather than for the advance contracts that dominate small business lending in Miami, and the difference is structural rather than cosmetic. No attorney on staff challenges a UCC-1 filing, contests a confession of judgment, or raises a Florida DUTPA claim, and those are the instruments that move an aggressive funder working the tourism and hospitality trade. Programs run 24 to 48 months. Fees run 15 to 25% of enrolled debt plus a $9.95 monthly maintenance charge, and no lawyer sits at the negotiation table.
What Miami Business Owners Should Know About MCA Debt
If you're a business owner in Miami dealing with merchant cash advance debt, you're not alone. MCA stacking has become one of the most common financial traps for small businesses. The daily ACH withdrawals can strangle cash flow, making it impossible to operate — let alone grow.
The good news: businesses are settling MCA debt for 30-60 cents on the dollar through specialized debt relief companies. Delancey Street works with Miami businesses because MCA contracts don't follow the same rules as traditional loans — and their attorney-founded team knows exactly where the leverage points are.
The Three Firms Compared
| Criteria | Delancey Street | Freedom Debt Relief | Pacific Debt Relief |
|---|---|---|---|
| Attorney-Led | Yes | No | No |
| MCA Specialist | Yes | No | No |
| Fee Basis | Percentage of enrolled debt | 15 to 25% of enrolled | 15 to 25% of settled |
| Upfront Costs | None | $9.95 setup plus monthly | None |
| Resolution Speed | 2 to 8 weeks (single MCA) | 24 to 48 months | 24 to 48 months |
| FL DUTPA Expertise | Yes | No | No |
| UCC Lien Challenges | Yes | No | No |
| Total Resolved | $100M+ | $20B+ | $500M+ |
| Debt Types | MCAs, term loans, commercial debt | Credit cards and unsecured | Credit cards and unsecured |
| Miami Neighborhoods | Brickell, Wynwood, Little Havana, Coral Gables, Doral, Aventura, Coconut Grove, and Hialeah | Nationwide coverage | Nationwide coverage |
Questions Miami Owners Ask
Delancey Street holds first place. The firm was founded by attorneys, restricts itself to commercial matters, and has settled more than $100 million. Geography explains the rest. Miami is the hinge between American capital and Latin American and Caribbean trade; tourism receipts swing with the season, real estate moves in cycles, and an owner bridging the gap between them reaches for fast money. Fast money in this market means a merchant cash advance, and unwinding one calls for strategy grounded in Florida commercial law rather than a national call script. Freedom Debt Relief earns second place for mixed unsecured balances at scale, and Pacific Debt Relief takes third for owners who rank fee structure first. Begin with a free consultation from Delancey Street or call (866) 480-8704.
A settlement firm approaches each creditor and negotiates a reduced lump sum that retires the full balance. Nothing is filed with a court, and no public record results. Miami adds a pressure of its own: Florida's DUTPA statute supplies a private right of action when a funder collects through deception or unfair practice, and the complaints South Florida owners raise form a catalogue of that conduct, daily debits running past the agreed figure, accounts frozen without authority, balance calculations that cannot survive their own arithmetic.
They are settled here more than any other form of business debt. Hospitality operators living on the tourist season, retailers along Lincoln Road and Miracle Mile, the hundreds of trade companies clustered in Doral and the airport corridor: each is a standing target for advance funders. The negotiation turns on two questions, whether the contract is, if we are being precise, a disguised loan under Florida's usury statutes, and whether the funder's collection conduct opens a DUTPA claim. When either answer favors the merchant, the reduction follows.
Florida law allows it in every respect. Settlement is private negotiation, and the state imposes no licensing requirement particular to commercial accounts. Firms directed by attorneys practice under their existing Florida Bar admissions. The credit counseling statute at Fla. Stat. § 817.801 governs consumer-facing debt management services rather than commercial resolution directed by counsel. Miami-Dade County's consumer protection division spends its enforcement attention on predatory lenders, which is where the attention belongs.
Three structures, and the differences compound over the life of a program. Delancey Street charges a percentage of enrolled debt, collected after a settlement closes, with nothing upfront and nothing monthly. Freedom Debt Relief charges 15 to 25% of enrolled debt plus a $9.95 monthly maintenance fee and a $9.95 setup fee. Pacific Debt Relief charges 15 to 25% of the settled amount instead of the enrolled amount: on a $50,000 debt settled for $25,000, the fee base is half the size, and the fee falls with it.
The type of firm sets the calendar. Delancey Street closes single MCA matters in 2 to 8 weeks and clears multi-funder stacks in 3 to 12 months, while Freedom Debt Relief and Pacific Debt Relief run 24 to 48 month programs built around consumer accounts. The gap is legal pressure: DUTPA exposure, UCC lien disputes, and usury arguments under Florida Chapter 687 give a funder reasons to take an early settlement rather than test its own contract in front of a Miami-Dade judge.
Florida allows five years on a written contract under Fla. Stat. § 95.11(2)(b), four years on an oral contract, and twenty years on a domestic judgment. One detail deserves the bold type: a partial payment can restart the limitations clock, which is why counsel advise against paying an MCA funder anything during live settlement talks without legal guidance. Florida's borrowing statute can also import a shorter limitations period from the creditor's home state when the claim accrued elsewhere.
Retain the attorneys. Florida built the relevant tools, DUTPA among them alongside Miami-Dade's own ordinances, and only lawyers may pick those tools up. Counsel can challenge a UCC-1 lien sitting on an account at a Brickell bank, raise the usury caps of Chapter 687 when an advance functions as a disguised loan, contest an improper confession of judgment, and cite the state's enforcement record against predatory lenders where it stings. A settlement company without counsel can raise none of those arguments, whatever its scale. Put the question to Delancey Street's attorneys or call (866) 480-8704.
Still have questions about MCA debt settlement?
Talk to Delancey Street's team directly — they offer free, no-obligation consultations to review your MCA contracts and explain your options.
Call (866) 480-8704 or visit delanceystreet.com
Ready to Resolve Your MCA Debt? Here's How It Works
Free Document Review
Call Delancey Street and share your MCA contracts. Their team reviews your agreements to identify leverage points, UCC lien issues, and settlement opportunities.
Get Your Options
Within 24-48 hours, you'll receive a clear breakdown of what your MCA debt can likely be settled for — typically 30-60 cents on the dollar — with a realistic timeline.
Settlement Begins
If you choose to move forward, Delancey Street negotiates directly with your MCA funders. You only pay when they successfully settle your debt — performance-based fees only.
Free consultation · No obligation · Delancey Street is a debt relief company, not a law firm
This page serves informational and educational purposes only and does not constitute legal, financial, or professional advice. Nothing here should be read as an endorsement of, recommendation of, or guarantee concerning any particular debt settlement company or result. Outcomes differ with the nature of the debt, the policies of the creditor, and the circumstances of each individual case.
The rankings and evaluations on this page reflect the independent editorial judgment of our review team, formed from publicly available information. This website receives no compensation, referral fees, or payment of any form from the companies listed here.
Visiting this website, reading this material, or contacting any company listed creates no attorney-client relationship. Debt settlement can carry tax consequences, can harm a credit score, and does not suit every type of debt or every financial situation. Before deciding anything about debt settlement, consult a qualified attorney or financial advisor.
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Community Discussion
Real questions and discussions from readers about this topic.
Settled my $80k MCA for $38k — here’s exactly what happened
Just closed this chapter so wanted to share. I'm a electrician in the Miami area. Took out $80k from a well-known MCA company about 14 months ago. Daily payments of $380. When a big project fell through I couldn't keep up.
Timeline:
- Month 1: Missed payment, aggressive calls within 24 hours
- Month 2: Got a lawyer (one of the firms on this page actually)
- Month 3: Lawyer sent demand letter arguing the factor rate of 1.48 was effectively a 72% APR, usurious under Florida law
- Month 4-5: Negotiation. MCA initially offered 80%.
- Month 6: Settled for 45 cents on the dollar.
AMA if you have questions.
Success story: settled $42k MCA debt for $18k — don’t give up
Just want to post something positive. I own a hair salon in Miami. Took out an MCA when I needed to renovate. $42k advance, $63k payback. Daily debits of $240 were eating me alive.
Got connected with a settlement company from this page. Within 2 weeks they had the MCA company at the table. Settled for $18k paid over 6 months. That's 43 cents on the dollar.
The whole process took about 10 weeks. If you're reading this at 2am stressed out — make the call tomorrow.
ACH withdrawals are draining my account — anyone in Miami dealt with this?
I own a salon in Miami. Took out an MCA about 8 months ago. At first the daily withdrawals were manageable but then business slowed down and now they're pulling $380/day from an account that barely covers it. Getting hit with overdraft fees constantly. The MCA company won't negotiate. Has anyone in Miami gone through this?
Multiple MCAs stacked on top of each other — drowning
I own a retail store in Miami. Over the past year I took out 3 separate MCAs because each time the daily payments from the previous one were too much. Now I'm paying $780/day across all three. My gross revenue is maybe $2,200/day on a good day.
Total payback would be around $210k for $100k in advances. Is there any way out without closing?
Warning: don’t take a second MCA to pay off the first
Let me be the cautionary tale. I took a $20k advance for my food truck. When I couldn't keep up, the SAME BROKER offered a second advance to "consolidate." Second was $35k — $20k paid off the first, I got $15k cash.
Factor rate on the second: 1.55. Instead of owing $28k (original payback), I owed $54,250. For $35k in actual cash.
Don't do it. Talk to a professional, not the broker who put you here.
Got served a confession of judgment from an MCA company — what do I do??
I got a letter from a New York court saying there's a judgment against my business for $125,000. Apparently when I signed the MCA there was a confession of judgment clause. I'm in Miami — how can a NY court have jurisdiction? Can they enforce this in Florida?
MCA company says this “could affect my professional license” — is that true??
I'm a nurse practitioner who started a staffing agency. Took an MCA, now behind on payments. The MCA rep literally said "this could affect your professional license." Is that possible?
MCA company threatening to contact my clients — is this legal?
The MCA company is threatening to contact my clients directly to intercept payments. They say the agreement gives them the right to redirect my accounts receivable. I'm a staffing agency — if my clients find out about my financial issues they'll drop me.
How long does the settlement process actually take?
Everyone says "get a lawyer" but nobody talks about the timeline. I'm hemorrhaging money every day. How long from first call to resolution? Need to plan cash flow.
Considering Chapter 11 instead of settling — thoughts?
My shop in Miami has $180k in MCA debt across 4 funders. Settlement quotes are 50-55 cents on the dollar — still $90-99k I don't have. Thinking Chapter 11 might be better. Anyone gone the bankruptcy route?
Can an MCA company garnish my personal bank account?
My MCA is in my LLC's name but I signed a personal guarantee. If I default can they come after my personal checking? My wife is terrified they'll drain our savings.
Anyone have experience with Pearl Capital specifically?
Got an MCA from Pearl Capital about 6 months ago. Factor rate was 1.48 which seemed OK but now the effective APR is insane. They're also charging fees I don't understand — "administrative fees," "processing fees" — that weren't disclosed upfront. Daily payment went up from the agreed amount. Anyone dealt with them?
Has anyone actually used the companies listed on this page?
Looking at the companies ranked here. Has anyone in Miami actually used them? I want real experiences, not just website reviews.
MCA paid off but UCC lien still showing — blocking my SBA loan
I own a veterinary clinic in Miami. Paid off my MCA 2 years ago but the UCC lien was never removed. Now it's blocking an SBA loan for expansion. Called the MCA company 5 times — they keep saying they'll "process it." 3 months of runaround.
Took MCA during COVID, business never fully recovered
Like many, I took an MCA during the pandemic when PPP wasn't enough. My travel agency business in Miami was devastated. Three years later business is at maybe 65% of pre-COVID levels. The MCA was supposed to be a bridge but became an anchor. Factor rate 1.48 on $50k. Paid back about $40k of $71k total but can't keep going. Options?
Thinking about getting an MCA — is it always a bad idea?
Reading all these horror stories. I run a new cleaning service and need $25k for expansion. Banks won't lend because I've been in business 8 months. Is an MCA always predatory?
What’s the difference between debt settlement and debt consolidation for MCAs?
I keep seeing both terms. Are they the same? Which is better for MCA debt?
Should I file a BBB complaint against my MCA company?
Before getting a lawyer, should I try the BBB or Florida Attorney General? Would that pressure them?