Business Debt Settlement Companies in Colorado Springs: The 2026 Ranking

I'm so sorry you're going through this. My husband and I had a similar situation with our bakery near Old Colorado City — not quite as much total debt but the same feeling of watching something you built with your hands slowly slip away.

We ended up doing a combination approach. Our attorney negotiated settlements on the MCAs (got them down to about 40% of balance), we restructured the SBA loan through their hardship program (they extended our term and lowered payments significantly), and we set up a payment plan with the Colorado Department of Revenue for the back taxes. The business line of credit was the trickiest but our settlement company got the bank to accept 60 cents on the dollar paid over 12 months.

The total process took about eight months and it was stressful as hell, but we're still open two years later and actually profitable now. The key is that you have $35k in monthly revenue — that shows your business is viable. Most settlement companies and lenders will look at that as a positive sign that settlement makes more sense than bankruptcy for everyone involved.

Please don't give up before exploring every option. A good debt settlement attorney can look at all your creditors together and develop a strategy. Bankruptcy should be the absolute last resort for a business that's still generating revenue.

A few practical things from someone who settled about $195k in business debt last year from my construction company here in the Springs:

1. The SBA loan is actually your friend here. SBA has formal hardship and offer-in-compromise programs. You can usually get payments reduced significantly and sometimes settle for less than full balance. Start with your SBA lender directly.

2. The MCAs are where a settlement company earns their fee. MCA lenders are used to settling — it's baked into their business model. They'd rather get 40-50 cents now than chase you for months.

3. Back taxes — Colorado DOR will work with you on a payment plan. They're not going to shut you down if you're proactively communicating. Get current on filing even if you can't pay the full balance.

4. At $35k monthly revenue you are NOT a bankruptcy candidate in my opinion. You have a cash-flowing business with a temporary debt overload problem. That's exactly what settlement is designed for.

Don't let the total number paralyze you. When I saw my $195k total I couldn't sleep for weeks. But broken into individual negotiations, each one was manageable. I ended up paying about $118k total to clear everything, including settlement company fees. Took ten months but I kept my business.

Thank you for sharing this. I'm literally sitting in my office in my print shop on Platte Ave reading this with tears in my eyes because I'm at the stage you were at four months in — drowning, ashamed, pulling from personal savings. Your timeline gives me actual hope.

Can I ask a few specific questions? During the seven months of settlement, were the MCA companies still pulling ACH payments from your account? Did your settlement company set up a separate account? And how did you handle cash flow for your business during that period — like, how did you pay your actual operating expenses while the settlement was in progress?

Also, 18% fee — was that 18% of the total enrolled debt or 18% of the savings? Because I've been quoted both ways and the math is very different. On $111k enrolled debt, 18% would be about $20k. On $44k savings, it would be about $8k. Big difference.

I have a consultation scheduled with a settlement company next Thursday but your post is making me think I should try to move it up to Monday. Every day those ACH payments hit feels like another nail.

This is exactly the kind of post this forum needs more of. Real numbers, real timeline, real mistakes. Thank you.

I want to add to the "mistakes" section from my own experience settling $63k in MCA debt from my HVAC business in Falcon (just east of the Springs):

1. I didn't check the settlement company's track record before signing. Some companies are basically just middlemen who farm out the actual negotiation to third-party attorneys. Ask who will be directly negotiating with your funders and what their success rate is.

2. I assumed all MCA agreements were the same. They're not. My first MCA had a reconciliation clause that my attorney used to reduce payments during the negotiation period. My second one didn't. Read your agreements or have someone read them for you.

3. I didn't negotiate the settlement company's fee. Yes, their fees are negotiable. I initially was quoted 22% of enrolled debt and got it down to 16% just by asking. If they won't budge at all on fee, that's a red flag.

4. I didn't factor in the tax implications. Forgiven debt over $600 is reported as income to the IRS. My $63k in MCA debt settled for $34k, which meant roughly $29k in forgiven debt that I had to report as income. Not a dealbreaker but I wish I'd planned for it.

To the print shop person — move your consultation to Monday. Every single day you wait costs you money and stress. I waited two extra weeks out of fear and it was the most expensive procrastination of my life.

I went through almost the exact same thing with my food truck business near Garden of the Gods. Two MCAs totaling around $140k. I ended up working with a debt settlement firm that specifically handled MCA cases — they got both settled for about 48 cents on the dollar, which saved me around $73k after their fees.

The key thing I learned is that MCA contracts often have provisions that settlement attorneys can exploit, especially around the reconciliation clauses. Most MCA lenders would rather get a lump sum settlement than chase a business owner through arbitration for months. It took about five months from start to finish for me.

One word of warning — do NOT stop the ACH payments on your own without legal guidance. I know someone who did that and the lender filed a confession of judgment against them within two weeks. Get a lawyer or settlement company involved first so they can manage the communication properly.

Attorney here practicing in El Paso County. A few things to be aware of with your situation. First, routing sales through a secondary account to avoid ACH withdrawals can constitute a breach of your MCA agreement and potentially give the funder grounds for accelerated collection. I'd strongly recommend stopping that immediately.

Second, Colorado has been strengthening protections for small business borrowers. Depending on when your MCAs were originated and the specific terms, you may have more leverage than you think. The factor rates on many MCAs sold to businesses in the Pikes Peak region have been frankly predatory — I've seen effective APRs north of 300%.

I'd suggest consulting with an attorney who handles commercial debt before signing with any settlement company. Many settlement companies in this space charge 15-25% of enrolled debt upfront and don't actually have attorneys negotiating for you. A good business debt attorney can often achieve better results for less total cost. Happy to point you toward some resources if you DM me.

This is a serious legal situation that goes beyond simple debt settlement. You need a business litigation attorney immediately — not eventually, not next week. Monday morning.

Here's why this is urgent: if your business is structured as an LLC or partnership and your partner signed MCA agreements using the business entity's information and bank account, the MCA company may argue that he had apparent authority to bind the business. However, if your operating agreement requires both partners' signatures for debt above a certain threshold (which most competently drafted OAs include), you have grounds to challenge the validity of the MCAs entirely.

If the MCAs can be voided due to unauthorized execution, you may owe nothing. But this argument has to be raised properly and quickly — continuing to allow ACH payments without objection could be interpreted as ratification of the agreements.

Steps for Monday:
1. Get copies of both MCA agreements immediately
2. Review your LLC operating agreement or partnership agreement for signing authority provisions
3. Consult with a business litigation attorney in El Paso County — you need someone who handles both partnership disputes and commercial debt
4. Consider filing a police report regarding your partner's unauthorized use of business funds and credit — this creates a paper trail that strengthens your challenge to the MCAs
5. Separately, consult with an attorney about dissolving the partnership

This is not just a debt settlement case. This is potential fraud by your partner against the business, and the MCA companies may also have failed in their due diligence by not verifying signing authority. Both angles create leverage.

Man, I feel for you. I went through a partner betrayal in my landscaping business, not in Colorado Springs but in Pueblo, and while the details are different the gut punch is the same. Your best friend just became someone you don't recognize.

I don't have legal advice beyond what the attorney above said, but I want to share something practical: protect the business relationship with your military customers RIGHT NOW. If you serve Peterson and Schriever families, your reputation in that community is everything. If the MCA situation causes service disruptions — bounced checks to parts suppliers, inability to order inventory — those customers will go to Grease Monkey or Firestone and they won't come back.

Open a new business bank account at a different bank immediately (your attorney can advise on how to do this properly). Make sure incoming customer payments go into the new account so the MCA companies can't drain your operating cash. Again — do this WITH legal guidance, not on your own, because how you handle the bank account switch matters legally.

Also, and I know this is hard to think about right now, but document every conversation with your partner from this point forward. Texts, emails, everything in writing. If this goes to litigation — and partner fraud cases usually do — that documentation is gold. No more verbal conversations about the business.

You'll get through this. Your business is real, your customers value you, and this debt situation is solvable. The friendship might not be, and I'm sorry about that.

You're not an idiot — you're a business owner who got caught in the MCA debt trap, which is literally designed to create exactly this kind of stacking situation. The MCA industry depends on repeat borrowers. Every one of those funders knew you had existing MCAs when they funded you, and they did it anyway because the factor rates are so profitable they don't care if half their borrowers default.

I've worked in the debt settlement industry for nine years and trucking companies are one of the most common business types we see. Here's the realistic picture:

With four stacked MCAs at $340k total, settlement is absolutely possible but it requires careful sequencing. We typically negotiate with the most aggressive funder first while putting the others on notice through legal counsel. Trucking MCAs tend to settle in the 35-50% range because the funders know that if they push too hard, the business folds and they get nothing.

Your $85k monthly revenue is actually strong. The problem isn't your business — it's that $56k of your revenue is going to MCA payments. If we can get those settled and restructured, your trucking company is profitable.

Chapter 7 should be absolutely last resort. You'd lose the trucks and your CDL-holding drivers would scatter to other companies. A good settlement strategy preserves the business as a going concern. Most funders prefer settlement over bankruptcy because in BK they might get 10-15 cents on the dollar through the trustee versus 40-50 cents in a direct settlement.

I'm a driver, not an owner, but my boss here in the Springs went through a similar situation two years back with his fleet. Three MCAs totaling about $210k. He hired an attorney who specialized in transportation industry debt and they managed to settle all three for around $105k total, paid out over eight months from operating revenue.

The thing that made the difference was that his attorney sent each MCA company a detailed financial analysis showing that the business would be forced into bankruptcy if they didn't accept settlement terms. Apparently when funders see hard proof that they'll get less in bankruptcy than in settlement, they negotiate much faster.

Your business is viable at $85k revenue without the MCA drain. That's actually a strong argument for settlement — you can show funders a clear path to repayment at reduced amounts. If you were doing $30k revenue they might just write you off and file judgments, but at $85k they have incentive to work with you.

Also — and I know this is uncomfortable — talk to your drivers. If they're good drivers with CDLs, other companies are poaching constantly. If they know the company might go under, they might jump ship at the worst time. But if they know you're actively working on a solution, the good ones will stick around. My boss was honest with us and all seven of us stayed through the settlement period.

Military spouse and former JAG paralegal here. I need to address the military pay question immediately because I can hear how scared you are.

The MCA company CANNOT garnish your husband's military pay for a business debt. Federal law (37 USC § 701) heavily restricts garnishment of military pay. It's only allowed for child support, alimony, and certain tax debts. A commercial MCA debt does not qualify. Period.

BAH is even more protected. Basic Allowance for Housing cannot be garnished by commercial creditors under any circumstances. Your husband's military career is not at risk from your business debt. His security clearance review might note financial difficulties, but business debt that you're actively addressing through settlement demonstrates financial responsibility, not irresponsibility. Document everything.

As for the MCA itself — a $35k MCA with a 1.45 factor rate is unfortunately very typical for small operators. The good news is that at this balance level, settlement is straightforward. Many MCA companies will settle debts under $50k for 40-45 cents on the dollar just to avoid the legal costs of collection.

Contact the legal assistance office on Fort Carson. They can provide free initial guidance and may be able to refer you to a civilian attorney who handles MCA cases at reduced rates for military families. JBLM and other installations have started tracking predatory MCA lending to military-connected businesses — your experience matters.

I don't have legal advice but I run a daycare in Security-Widefield and I just want to say — you are not alone and this is way more common than people talk about. The MCA companies specifically target home daycare providers and other small operators because they know we're desperate to provide for the kids and we'll sign anything to keep the doors open.

Two things that helped me when I was in a similar spot: First, I reached out to the El Paso County Child Care Association and they connected me with a small business advisor at the SBDC office on Pikes Peak Ave. Free consulting, completely confidential, and the advisor had dealt with MCA situations before. Second, I posted on the Fort Carson spouse Facebook groups (without specifics) asking if anyone needed childcare, and filled two spots within a week. Military families are constantly looking for licensed home daycares.

Get your enrollment back up while you negotiate the MCA settlement. At 12 kids you were making it work — you just need to refill those three spots. The Springs has a massive childcare shortage, especially near post. You'll fill them.

And please eat something and try to sleep tonight. I know that sounds stupid but I remember not eating for three days when I was going through my debt crisis and it made everything feel ten times worse. You're going to get through this.

Take a deep breath. I'm a commercial litigation attorney in Colorado Springs and I see this intimidation tactic constantly from MCA funders. A few important points:

First, an MCA is technically a purchase of future receivables, NOT a loan. This distinction matters enormously. In most MCA agreements, the funder does not have a traditional security interest in your equipment unless there's a separate UCC filing specifically covering the equipment. Check your agreement carefully — or better yet, have an attorney review it.

Second, even if they do have a UCC filing, they cannot just show up and take equipment. In Colorado, they need to go through proper legal channels. Self-help repossession of business equipment is extremely limited and they almost certainly can't remove equipment that's been permanently installed in a leased commercial space without a court order.

Third, the seventeen calls in one day is potentially a violation of collection practices regulations. Document everything — every call, every email, every voicemail. This can become leverage in a settlement negotiation.

Your revenue of $18k/month against a $55k MCA is very workable. A settlement in the range of 45-55% of balance is realistic here. I'd strongly recommend getting legal representation before responding to any more of their communications.

Bro I run a gym in Briargate and went through almost this identical situation in 2024. Same threatening emails, same "we're sending someone to inspect" garbage. They never sent anyone. It's a scare tactic to get you to drain your personal accounts to make payments.

Here's what I did: I hired a settlement company that specifically works with MCA debt. They sent a cease-and-desist to the funder, opened a dedicated settlement account, and negotiated for about six weeks. I ended up settling my $48k MCA for $26k paid in three installments over 90 days.

During the negotiation period, yes, the funder kept calling and sending scary letters. My settlement company told me to forward everything to them and not engage directly. That was hard because every email felt like a punch in the gut. But once the funder realized I had professional representation and wasn't going to just crumble, they came to the table pretty quickly.

Your gym is doing $18k a month — you're going to be fine. Just don't try to handle this alone and definitely don't drain personal savings to make daily payments on a predatory MCA. Get help.

I closed my coffee shop on West Colorado Ave two years ago after fighting a similar battle for eighteen months. I'm going to give you the honest answer that I wish someone had given me.

The financial question first: settling the MCA would save you roughly $5-6k per month in payments, which would make you roughly break even with the new rent. Break even isn't thriving — it's surviving. The question is whether you believe the revenue can grow. At $38k monthly with 30 breweries in town, what's your realistic growth path? If you can't articulate a clear way to get to $45-50k monthly, settlement alone doesn't fix the underlying economics.

Now the therapy answer: there is no shame in closing a business that has run its course. You built something real. You served your community. The market shifted — saturated craft beer, rising rents on Nevada, post-pandemic drinking habit changes. None of that is your failure.

But here's the thing I got wrong: I treated it as binary — fight or fold. There's a middle path. Settle the MCA to stop the bleeding, then give yourself six months with clear metrics. If you hit your revenue targets, great, you've bought yourself a future. If you don't, you close on your own terms with dignity, not in a financial crisis. Closing deliberately is very different from being forced out.

Whatever you decide, stop putting personal money in. That $28k is gone. Don't make it $40k. The business needs to survive on its own revenue or it's not a business — it's an expensive hobby with a liquor license.

I own a brewery in Old Colorado City so I know this market intimately. A few thoughts from someone in your exact industry in your exact city.

Your revenue plateau at $38k tells me you're probably not doing enough to differentiate. South Nevada has foot traffic but it's a different demographic than downtown or OCC. Have you explored contract brewing for other labels? That's pure margin — no taproom overhead, just production revenue. I started doing contract brewing last year and it added $8k/month to my top line with minimal additional cost.

On the lease: don't just accept a 30% increase. Commercial lease negotiations in Colorado Springs have leverage right now because vacancy rates on South Nevada are climbing. Your landlord would rather keep a paying tenant at a 15% increase than have an empty space for four months trying to find a new one. Push back, especially if you've been a reliable tenant for four years.

On the MCA: absolutely settle it. At $118k payback on an $80k advance, you're paying an effective rate that's obscene. Settlement companies handle brewery MCA debt routinely. You'll probably settle around 45-50% of the remaining balance. That drops your monthly debt service from $12k to whatever the settlement payment plan works out to — probably $3-4k/month over 6-8 months.

Settle the MCA, negotiate the lease, explore contract brewing. Do all three simultaneously. If after six months the numbers still don't work, then you have your answer. But don't fold without playing these cards first.

I'm a dentist in Monument, about 20 minutes north of you. I went through an almost identical situation in 2024 — different details but same gut-wrenching shame spiral. Took an MCA to cover an unexpected gap and then couldn't dig out from under the daily payments.

A few things I want you to hear:

1. The shame is the MCA industry's best weapon. They count on professionals like us being too embarrassed to seek help or push back. Don't let pride cost you your practice.

2. MCA settlement has ZERO impact on your dental license. The Colorado Dental Board cares about clinical competence and ethics, not your business financing arrangements. I confirmed this with my own attorney before proceeding.

3. Your credit will take a temporary hit during settlement, but here's the thing — within 18 months of settling my MCA, I qualified for a conventional business loan at 8.5% APR. Legitimate lenders understand that MCA debt is predatory and they don't hold settlement against you the way they might a bankruptcy.

4. Tell your wife the full number. I waited too long to be fully honest with my spouse and it made everything harder. She's your partner — she deserves to know and you deserve the support.

I settled $62k in MCA debt for $31k. The relief I felt the day that last payment cleared was indescribable. You'll get there too.

Not a dentist but I'm an accountant here in Colorado Springs and I work with several dental and medical practices. I want to address your concern about future financing because I hear this from professional clients all the time.

MCA settlement shows up differently than you might think on your business credit profile. MCAs aren't reported to business credit bureaus the same way traditional loans are. Many MCA companies don't report to Experian Business or D&B at all. So settling an MCA often has minimal impact on your ability to get legitimate financing afterward.

What WILL impact your future financing is if the MCA company files a UCC lien or a confession of judgment. This is why it's critical to have your settlement agreement include a full release and UCC termination. Any competent settlement attorney will make sure these are part of the deal.

Also — and I say this gently — the embezzlement situation suggests you might need to tighten up your internal financial controls. Once you're through the settlement, invest in proper bookkeeping oversight. I've seen too many practices get hit twice because they didn't fix the systems that let the first problem happen.

Your practice is doing $55k/month in collections, which is solid for a general dentist. Without the MCA drain, you're profitable. Settlement is absolutely the right path here.

Good news: you found the clause BEFORE defaulting, which puts you in a much better position than most people.

Confession of judgment (COJ) clauses are one of the most predatory tools in the MCA industry. They allow the funder to obtain a judgment against you in New York without a hearing, without notice, and without you having any opportunity to defend yourself. The judgment is then domesticated in Colorado for enforcement.

However — and this is critical — Colorado has been increasingly hostile to out-of-state confessions of judgment. Colorado courts have rejected domestication of COJ judgments in several recent cases, particularly when the business owner had no connection to New York. If the MCA company tries to enforce a New York COJ in El Paso County, a competent Colorado attorney can challenge domestication.

Moreover, the "deems itself insecure" language is intentionally vague and has been challenged successfully as unconscionable in multiple jurisdictions. Simply entering settlement negotiations does not constitute default, and a reasonable funder cannot "deem itself insecure" just because a borrower asks to restructure.

Here's your strategy: retain a Colorado attorney who has experience with MCA COJ clauses BEFORE initiating settlement discussions. Your attorney should send the initial settlement communication in a way that explicitly reserves all rights and does not constitute any admission of default. This creates a legal record that you were current on payments and negotiating in good faith — which makes any COJ filing look retaliatory and improper.

Do not attempt this without an attorney. The COJ clause is manageable but only if handled correctly from the start.

I had a COJ clause in my MCA and it's NOT as scary as it seems once you have representation. Let me share my experience because I was exactly where you are — paralyzed with fear that any move I made would trigger the nuclear option.

I'm a photographer with a studio in Ivywild. I had a $45k MCA with a confession of judgment clause very similar to yours. When I hired a settlement attorney, the first thing she did was send a letter to the MCA company acknowledging the COJ clause and stating that my client was current on payments and entering good-faith restructuring discussions. She basically told them that if they tried to file a COJ during active settlement negotiations with a current borrower, she would file a motion to vacate in both New York and Colorado and pursue sanctions.

They never filed the COJ. We settled the debt for 47 cents on the dollar over four months. The MCA company's collections department was aggressive on the phone but their legal team clearly didn't want the hassle of defending a COJ filing against a borrower who was negotiating in good faith.

The COJ clause is a psychological weapon more than a practical one. Yes, some funders use it aggressively, but most prefer settlement to litigation. The key is having an attorney who isn't intimidated by the clause and who knows how to communicate that to the funder.

You're on Bijou — you're right in the heart of downtown. There are at least four or five law firms within walking distance that handle commercial debt. Make some calls tomorrow. You'll feel better the moment you have someone in your corner.

Cannabis business attorney based out of Denver but I handle cases throughout the Front Range including the Springs. You've hit on one of the most frustrating issues in the industry — cannabis businesses get the worst financing terms specifically because of the federal classification, and then when things go sideways, finding help is equally difficult.

To answer your core question: yes, there ARE settlement companies and attorneys who work with cannabis businesses, but you're right that many won't. The ones who refuse are typically worried about federal money laundering exposure, which is an overcautious reading of current DOJ enforcement posture but understandable.

What you need is an attorney or firm that specifically works in cannabis law AND has experience with MCA/commercial debt. This is a narrow specialization but it exists. Colorado has probably the deepest bench of cannabis business lawyers in the country.

Regarding your specific situation: $181k in MCA debt against $95k monthly revenue is very settleable. The MCA companies that lend to cannabis businesses have already priced in higher default rates — they expect a significant percentage of their cannabis portfolio to settle or default. This actually gives you more leverage than a comparable non-cannabis business.

Also look into whether 280E reform passes this session — there's a real possibility that the tax burden drops significantly, which would change your entire financial picture.

Dispensary owner in Pueblo here. I settled $85k in MCA debt last year and I want to share what worked because there's almost no information out there for cannabis business owners dealing with this.

I found a settlement company through the Colorado Cannabis Chamber of Commerce — they maintain a list of service providers who work with the industry. The firm I used had handled dozens of cannabis MCA cases and they understood the unique dynamics. My settlement ended up at about 43 cents on the dollar, paid over six months from operating revenue.

One thing to be aware of: because cannabis businesses deal heavily in cash, the settlement negotiation is a bit different. The MCA companies know that ACH enforcement is trickier with cannabis businesses because the banking relationships are fragile. Some of the funders actually prefer a quick settlement because they don't want the regulatory headache of aggressive collection against a licensed dispensary.

Also — and this is specific to Colorado Springs — make sure you're in good standing with the city licensing office. COS has stricter cannabis regulations than Denver or Pueblo, and any collection actions or judgments against your business could potentially trigger a license review. Getting ahead of the debt issue through settlement actually protects your license by showing proactive financial management.

DM me if you want the name of the firm I used. They were reasonable on fees and actually got results.

Former MCA underwriter here (left the industry because I couldn't stomach it anymore). I want to give you the view from the other side of the table.

Your MCA funder knows that wedding venues are seasonal businesses. They priced the factor rate to extract maximum payments during your peak season. When you tell them you can't operate without a payment reduction, they're not surprised — they've modeled this exact scenario.

Here's what works: have your attorney request a "reconciliation" under the MCA agreement. Almost every MCA contract has a reconciliation clause that says payments should be adjusted based on actual revenue. If your revenue has dropped because you're in the off-season or because you've been unable to invest in operations, you're entitled to lower payments. Most business owners don't know this clause exists and MCA companies certainly don't advertise it.

For your immediate cash crunch — some settlement attorneys can get an emergency temporary restraining order against the ACH withdrawals if they can show the MCA company is taking more than the contractually allowed percentage of revenue. This can free up your account within days while the larger settlement negotiation proceeds.

You have a 40-wedding-per-year venue at the foot of Cheyenne Mountain. That's a real business with real value. The MCA company knows this — use it as leverage, not a liability.

I settled an MCA for my catering company in under four weeks, so yes, faster timelines are possible — but you need to move TODAY.

Here's what made my situation resolve quickly: my attorney sent the MCA company a detailed hardship letter with financials showing that continued payments at the current rate would force bankruptcy within 60 days. They included proof of booked revenue (in your case, your five signed wedding contracts), which showed the business was viable but needed immediate cash flow relief. The MCA company agreed to a 60-day payment pause followed by a lump-sum settlement at 50% of remaining balance.

The wedding contracts are actually your best asset in this negotiation. They're essentially guaranteed future revenue — proof that your business generates cash if it can survive the next few months. Any reasonable MCA company would rather pause payments and let you fulfill $100k+ in booked events than force you under and recover maybe 15 cents in bankruptcy.

Call a settlement attorney Monday morning. Not a settlement company — an actual attorney who can send a letter on firm letterhead. The legal pressure moves things faster. Many business debt attorneys in the Springs offer free or low-cost initial consultations. You need someone who can file within days, not weeks.

Also — talk to your vendors and florists about net-30 terms for the first few weddings. Many Springs wedding vendors will extend credit to a venue with a track record. It buys you breathing room.