Business Debt Settlement

When the math doesn't work — payments are higher than revenue can support — settlement may be a path forward. Specialists negotiate with your creditors to resolve balances for less than the full amount owed, on terms you can actually meet.

See if you qualify — free

Takes about 2 minutes. No obligation.

First name *

Last name *

Business name *

Email *

Mobile phone *

Estimated total business debt

Estimated monthly revenue

Type of debt (select all that apply)

Time in business

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How it works

Share the picture

Tell us about your debts, revenue, and pressure points.

Specialist review

A settlement specialist reviews what creditors typically accept in cases like yours.

Negotiation

If you move forward, they negotiate directly with the creditors.

Resolve

Pay the agreed-upon settlement and close out the debt.

Is this right for you?

You're behind on payments or close to it
Your debts exceed what your business can realistically pay back in full
You'd accept some credit impact to resolve the debt for good
You want a specialist negotiating instead of doing it alone

What to know

Settlement can negatively affect your business and personal credit
Interest, fees, and collection activity often continue while you negotiate
Forgiven debt may be taxable — talk to your accountant
Some creditors sue rather than settle; specialists plan for this
Settlement is not right for every business — that's what the free review is for

Common questions

How much can I settle a business debt for?

It varies widely by creditor, debt type, and your situation. Some balances settle for 40–60 cents on the dollar; others much higher or lower. No one can guarantee an amount up front.

How long does settlement take?

Most programs run 12–36 months depending on debt size, creditor mix, and your ability to fund the settlements. A specialist will give you a realistic timeline.

Will I get sued during settlement?

It's possible. Creditors have the right to pursue collection. Specialists know which creditors are more likely to litigate and build the plan accordingly.