Get clarity in one phone call. No pressure. No obligation. Just honest answers about your situation.
850+ Businesses Helped | $47M+ in Debt Settled
They saved my business.
Ashley J.
I wish I called sooner.
Arthur T.
$430K settled for $140K.
Danielle C.
Daily debits draining your account. Collection calls interrupting your workday. Lawsuits threatening your business. You didn’t get into business to live like this.
SOS Debt Solutions specializes in one thing: negotiating MCA debt settlements that stop the bleeding and give you your life back. We’ve settled $47M in debt. We know the lenders. We know the tactics. And we know how to get you real relief — fast.
Speak with an MCA debt specialist today.
MCA debt requires specialized expertise. We focus exclusively on one thing: negotiating settlements that work. Here’s how we help business owners break free:
Creditors inflate. We negotiate. Your settlement is based on what you actually owe — not the fees they tacked on after default.
Cynthia is a pioneer in MCA debt settlement. For over 15 years, she’s negotiated with every major MCA lender — and earned their respect in the process.
Creditors know her. Attorneys know her. They know she doesn’t bluff, doesn’t overpromise, and doesn’t waste their time. That reputation is why we get settlements other companies can’t.
She personally oversees every case at SOS Debt Solutions — ensuring strategy is sound, negotiations are aggressive but realistic, and objectives are met. Her expertise in handling complex cases is unmatched in the industry.
What sets Cynthia apart: She’ll always tell you the truth. Good news or bad news, you’ll get the facts — not sales pitches. If your case isn’t a good fit, she’ll say so. If bankruptcy makes more sense, she’ll tell you. That honesty is why clients trust her and why our success rate speaks for itself.
Bottom line: When Cynthia handles your case, you’re getting the best negotiator in the business working for you.
Bill brings over 30 years of experience working with business owners to SOS Debt Solutions. He’s seen every financial challenge a business can face — and he knows how to navigate them.
What clients appreciate most about Bill is his patience and clarity. He doesn’t rush you into decisions. He doesn’t push programs. He listens, understands your situation, and maps out a clear path forward that actually works for your business.
When you talk to Bill, you’re not talking to a salesperson. You’re talking to someone whose sole intention is improving your situation — whether that’s through our services or pointing you in a better direction if that’s what makes sense.
What sets Bill apart: His ability to cut through the confusion and stress to show you exactly what’s possible. Business owners leave conversations with Bill feeling understood, informed, and confident about their next steps.
Bottom line: When Bill is on your side, you have an advocate who genuinely cares about your business surviving and thriving.
Our team works directly with Cynthia and Bill to execute settlement strategies, manage creditor communications, and keep you informed every step of the way. You’re getting specialists who’ve settled $47M+ in debt — not generalists learning on your case.
Get Started Today
Senior Case Manager
Legal Coordinator
Debt Consultant
Client Services & Operations Manager
About why they started SOS and what you can expect when you work with us.
Don’t take our word for it — here’s what business owners say after we help them resolve their MCA debt.
Business Owners Helped
In MCA Debt Settled
Trustpilot Rating
Cynthia and her team were incredible. They stopped the daily debits and secured a settlement that allowed me to keep my business running. They guided me through every step, and I’m truly grateful for their knowledge, support, and professionalism.
SOS Debt Solutions is amazing! They helped me stop daily debits, resolve multiple debts, and negotiate manageable settlements that kept my business running. Knowledgeable, understanding, and genuinely committed to client success — I’ll always rely on them when I need help.
Having Cynthia and SOS in my corner made all the difference. They stopped three lawsuits and negotiated settlements I could actually afford. Their strategic approach is effective, and the legal team they coordinate with is highly experienced. Communication was consistent and responsive throughout the entire process. If you're under serious pressure, this is the team you want on your side.
SOS Debt Solutions saved my business. After getting into $430K of MCA debt, Cynthia and her team negotiated it down to $140K. They restructured my monthly payments so I could stay open and profitable again.
Cynthia and her team have helped put my fears and worries at bay while fighting for my integrity during one of the toughest times as a business order. I recommend ten times over
SOS has literally saved our business and our lives. I don’t know where we would be without Cynthia. First class service, always available, very knowledgeable and experienced. We are so glad we found them!
SOS Debt Solutions has been one of the best things that’s ever happened to me! Cynthia and her team made it easy for me to focus on onsite work while she worked on resolving my debt. So grateful that I got to see it through on the other side. I highly recommend her and her team!!!
Words can’t Explain’ SOS ‘ You’re the best ‘ you’re my hero. Please keep saving our Souls from these predators. Jb
I can't even begin to give Bill and his team enough stars. 5? Not enough--they deserve 10! They took the time to understand my company's issues and worked diligently to help resolve them. Bill's kindness was more than anyone could ever ask for. Thank you from the bottom of my heart.
SOS has literally saved our business and our lives. I don’t know where we would be without Cynthia. First class service, always available, very knowledgeable and experienced. We are so glad we found them!
Best company ever they helped me with major issues and because of them I got everything fixed best ever !!!!!!!!!!!!!!!! From Andy
SOS Debt Solutions is amazing! They do exactly as they say they will do. Keep you updated in a timely manner. Explain everything so it's understandable. Extremely nice people. Very knowledgeable in this business. Sympathetic and understanding of financial situations and very willing to help. This company and it representatives are not in it just for the money. They want to help the client succeed and handle business at the same time. We will forever use them when in need of their assistance.
Trustworthy, knowledgeable and compassionate team! This was exactly what we needed during a very difficult time. Thank you Cynthia and Bill for being a class act. Your service and hard work representing small businesses is great appreciated!
Cynthia and Bill are really great and explaining how and what can be done to help you. Unfortunately I did a Merchant cash advance and I HIGHY URGE ANYONE TO NOT GET THEM! In any event they are really great at helping and prices are VERY fair to us as a business. I really would recommend them for anyone facing these Merchant A holes and what they can do with your business and basically try to put you out of business. Cynthia and Bill help stop all that!
Cynthia and Bill are lifesavers. They are genuine people trying to help others at a difficult time in business. Cynthia knew immediately how to handle my situation and the exact people to contact to get the deal finalized. I will be forever grateful.
Cynthia really helped me during a difficult period financially. She was professional, empathetic, and knowledgeable. I highly recommend her services. She will advocate for you.
Cynthia is the best!! 100 recommend there services they are so human and try to understand and have a heartfelt connection inorder to help in the best way possible.
Bill and Cynthia did a great job. And was very helpful in getting my debt re-negotiated. I strongly recommend them
Most business owners have no idea what their MCA debt is actually costing them — or what’s realistically possible to settle it for. A 15-minute call gives you real answers about your specific situation.
Find Out Exactly What We Can Settle Your Debt For.
High interest debt with rapid payback terms is detrimental to your business’s cash flow and your state of mind. You may be surprised at how much your debt is actually costing you.
Speak with an MCA debt specialist today.
Calculators and online estimators can’t tell you what your settlement will actually be. Here’s why:
We've successfully negotiated with Cash Capital, Samson, Kalamata, National Funding, Byzfunder, QFS Capital, Everest Business Funding, OnDeck, Vox Funding, and dozens more. Each lender has different settlement patterns and we know exactly what they'll accept.
Your payment history, business circumstances, and strategic factors specific to your situation all influence what creditors will agree to. One-size-fits-all calculators miss this completely.
We don't just negotiate — we also have access to unique funding solutions that can help you settle debts, eliminate MCA obligations entirely, and regain cash flow. These aren't options traditional debt settlement companies or attorneys offer.
Call us at 561-946-2840 and we’ll give you an honest assessment of:
No sales pitch. No commitment. Just a clear understanding of where you stand.
We review your MCA contracts, payment history, and cash flow situation. You'll know exactly how much you owe, who you owe it to, and what settlements are realistically achievable.
We walk you through everything — clearly and honestly — so you can make an informed decision.
Based on your specific creditors and contracts, we build a negotiation strategy designed to get you the best possible settlements. We know what Mint Funding, CFG, Mantis, Itria and other major lenders will accept — and we use that knowledge to your advantage.
What you'll get: Written settlement plan, timeline, expected outcomes, and monthly payment targets you can actually afford.
We handle everything: creditor negotiations, legal filings, settlement documentation, and ongoing updates. You focus on running your business — we focus on resolving your debt.
What you'll get: Creditors stop contacting you — we become the point of contact. Regular updates on negotiation progress. Settlements finalized and documented. Your business stays operational throughout.
Speak with an MCA debt specialist today. No pressure, just answers.
Here’s what really matters: Our average settlement is 56% of the total amount creditors claim you owe.
Let’s say you owe $500K in MCA debt:
– Average settlement: $280K (56%)
– Our service fee: $50K-$100K (10-20%)
– Your total savings: $120K-$170K
That means you walk away paying significantly less than what creditors claim — even after our fees.
And unlike competitors:
– No 10% retainer required upfront
– Lower service fees (10-20% vs. industry standard 25-30%)
– Pay as we work — our fee is built into your weekly budget alongside settlement funds
Most debt settlement companies charge more and settle for less. We charge less and settle for more. That’s why our clients save significantly no matter what.
We’ve negotiated with Cash Capital, Samson, Kalamata, National Funding, Byzfunder, QFS Capital, Everest Business Funding, OnDeck, Vox Funding, and every other major MCA lender for over 15 years.
They know us. They know we’re serious. They know we’ll fight for our clients.
That means we get settlements other companies can’t — because our reputation opens doors, and our track record commands respect.
When you work with us, you’re not just getting our expertise. You’re getting the leverage of more than a decade and a half of proven creditor relationships working in your favor.
850+ business owners helped.
$47M+ in MCA debt settled.
56% average settlement (clients save 44% of their debt).
These aren’t promises or projections — they’re results we’ve already delivered for contractors, restaurants, trucking companies, medical practices, salons, and service businesses just like yours.
Our track record speaks for itself. We know what works because we’ve done it 850+ times.
We don’t overpromise to get you to sign.
If your situation isn’t a good fit for settlement, we’ll tell you upfront. If bankruptcy makes more sense, we’ll say so. If you can negotiate directly with your lenders yourself, we’ll be honest about that too.
You’ll get real answers about what’s actually achievable for your situation — not sales pitches designed to collect fees.
We succeed when you succeed. That’s why we only take cases we’re confident we can resolve favorably.
You’ll get regular updates on every negotiation, every settlement offer, every creditor interaction.
No waiting weeks wondering what’s happening. No being left in the dark while we ‘work on things.’
You’ll know exactly where your case stands — always. What offers we’ve received. What we’ve countered with. What the next steps are.
When you reach out, you get real answers — fast.
MCA debt requires specialized expertise. We focus exclusively on one thing: negotiating settlements that work. Here's how we help business owners break free:
Speak with an MCA specialist today.
Fill out the form and we’ll contact you within 24 hours to review your situation. Just an honest assessment of what’s possible for your specific MCA debt situation.
Or call 561-946-2840 now to speak with a specialist immediately.
Get answers to the questions business owners ask most about MCA debt settlement – including what sets SOS apart from other companies.
Business debt settlement is where we negotiate with creditors to reduce what they’re claiming you owe. When you default, creditors pile on extra fees — default fees, attorney fees, high interest — on top of the principal balance you actually borrowed. Our job is to negotiate those fees away and settle for the principal (the funds you actually received) or as close to it as possible.
Our average settlement is 56% of the total claimed debt. We then structure payment terms that fit your current cash flow. You want to pay your creditors back. We make it possible by getting them to accept what’s realistic instead of what’s unaffordable. The process takes 12-18 months. We handle everything: negotiations, legal filings, documentation.
We don’t require any upfront retainer fee. Our service fee is 10-20% of your enrolled debt depending on case size (industry standard is 25-30%). Once you’re enrolled, we take immediate action. Your program payments are clearly outlined in our agreement and will reflect all the details of our original conversation.
Our fee isn’t frontloaded — it’s built into your weekly budget alongside the settlement funds. You pay as we work, not everything upfront. Unlike competitors who charge a 10% retainer before they start and then frontload their 25-30% fees, you can begin immediately without a massive cash outlay.
Yes. Our average settlement is 56% of the total claimed debt, and our fee is 10-20%. Here’s the math on $500K in debt:
– Settlement: $280K (56%)
– Our fee: $50K-$100K (10-20%)
– Total you pay: $330K-$380K
– Total you save: $120K-$170K
Even after our fees, you’re saving six figures.
Here’s what’s critical: Taking quick action before the creditor gains advantages is the best way to maximize your savings. Creditors are aggressive — they will enforce liens, contact your customers, and pressure you into meeting their demands. The sooner SOS intervenes, the better your results.
With competitors you pay 10% retainer fee and 25% service fees before any interaction with your creditors. You’ve wasted time, money, and your best window for a favorable settlement.
All clients have a designated qualified case manager with keen oversight by Cynthia, our Founder & Lead Negotiator. Cynthia has 15+ years of experience and is widely recognized as one of the top MCA debt negotiators in the industry.
She personally reviews strategy, approves settlements, and handles complex negotiations. You’re not getting junior staff learning on your case — you’re getting experienced case managers backed by the industry’s top negotiator ensuring your outcome.
Each case is different, and clear expectations will be established before enrolling in our program. Some cases are completed on day one with a simple call to the creditor. This is another advantage of the relationships we’ve built over the years.
More complex cases with multiple creditors typically take 12-18 months from start to finish. Throughout the process, we handle all creditor communication and negotiations. You’ll get regular updates on progress, settlement offers, and next steps. You focus on your business while we resolve the debt.
Yes. One of our primary goals is to keep our clients’ businesses operating. Our function is to handle all creditor issues while you focus on your business. Your weekly budget is structured around your actual cash flow — we don’t ask for payments you can’t afford.
The goal is to resolve debt while keeping your business running, not drain you dry. Many clients see improved cash flow during the process because daily MCA debits stop and you’re paying a manageable weekly amount instead.
There are times when debt settlement is not an option.
What sets SOS apart is that we offer a range of business debt solutions beyond traditional settlement — strategies most other companies can’t provide.
We’ll assess your situation honestly during your consultation. If settlement isn’t the right fit, we’ll explore other strategies including legal defense, restructuring, or unique funding solutions.
If bankruptcy makes more sense, we’ll tell you. We only recommend solutions that actually work for your specific situation.
Some clients already have their own attorneys, and we work alongside them when needed. But most clients rely on our legal team, which specializes exclusively in MCA contract disputes.
Our specialized legal program provides legal representation in every US state and exclusively focuses on MCA contract disputes.
As an SOS client, there is a distinct financial benefit to our legal plan — saving thousands of dollars on retainer fees and hourly charges.
Unlike independent attorneys who charge $5K-$15K upfront and may not specialize in MCA debt, you get specialized legal representation included in our service with a one-time enrollment.
Over 15 years in this business, SOS has worked with all MCA lenders.
We’ve negotiated with Cash Capital, Samson, Kalamata, National Funding, Byzfunder, QFS Capital, Everest Business Funding, OnDeck, Vox Funding, and dozens of others.
SOS will settle any unsecured business debt, including vendor debt and business credit card debt.
If you have debt with smaller or newer lenders we haven’t worked with, we’ll still negotiate — our relationships and expertise apply across all MCA companies.
This is a smart question — there are a lot of scams in the debt relief industry.
Here’s how you can verify SOS Debt Solutions is legitimate:
Track Record:
– Over 15 years in business
– 850+ business owners helped
– $47M+ in debt settled
– 4.7 Trustpilot rating with verified reviews
– BBB Accredited Business with A+ rating
Transparency:
– We don’t guarantee specific settlement amounts or promise to eliminate all debt
– We’ll tell you upfront if settlement isn’t the right fit for your situation
– Our agreements clearly outline fees, timeline, and expectations
– You can verify our testimonials (many clients mention Cynthia by name)
Third-Party Verification:
– Check our BBB profile and customer reviews
– Review our Trustpilot ratings (real verified clients)
– Ask for references if needed
We’re also transparent about what we can and can’t do. If a company promises to eliminate 100% of your debt with no effort, run. If they ask for large upfront fees before doing anything, run. We operate on results, not promises.
