Types of Debt We Settle
We specialize in settling MCA debt and other business obligations — from merchant cash advances and stacked loans to vendor debt and business credit cards.
Types of Debt
We handle debts including merchant cash advances (MCA), vendor debt, term loans, lines of credit, and business credit card debt. Here’s how each one works — and what we can do about it.
We Negotiate the Debts Holding Your Business Back
Whatever type of business debt you’re facing, we’ve likely negotiated it before — and we know how to get results.
SOS Debt Solutions specializes in negotiating and settling a wide range of business debts — reducing balances, restructuring terms, and improving your cash flow.
Every strategy is tailored to your financial situation. No generic programs. Just real solutions designed to protect and stabilize your business.
The earlier you act, the more options you have.
Frequently Asked Questions
Get answers to the questions business owners ask most about MCA debt settlement – including what sets SOS apart from other companies.
Business Owners Helped
In MCA Debt Settled
Trustpilot Rating
What's the difference between an MCA and a traditional loan?
A merchant cash advance isn’t technically a loan — it’s a purchase of your future receivables. That distinction matters because MCAs aren’t subject to the same lending regulations, which is why interest rates (often called factor rates) can be significantly higher and repayment terms more aggressive.
While a traditional loan typically has fixed monthly payments, MCAs pull daily or weekly withdrawals directly from your account. This is why MCA debt can spiral so quickly — and why settling it requires a different strategy than negotiating a conventional business loan.
Can you settle vendor debt without damaging my supplier relationships?
I have multiple MCAs stacked — can you settle all of them?
Absolutely. Stacked MCAs — where you’ve taken additional advances to cover earlier ones — are one of the most common situations we see. We assess every MCA contract individually, identify the total exposure, and build a strategy to negotiate each one.
In many cases, settling stacked MCAs simultaneously gives us additional leverage because creditors know they’re competing with other lenders for a limited pool of funds. We’ve resolved cases with five, six, or more stacked advances.
Do you handle business credit card debt the same way as MCA debt?
How long does the process take, and what happens during that time?
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.
What if my term loan has a personal guarantee?
Personal guarantees add complexity, but they don’t eliminate your options. A personal guarantee means the lender can pursue your personal assets if the business can’t pay — which is why acting early is critical.
We work to negotiate settlements before lenders escalate to personal collection. In many cases, creditors will still accept a reduced settlement even when a personal guarantee exists, because pursuing personal assets is expensive and time-consuming for them.
We’ll assess your specific guarantee terms and build a strategy that protects both your business and your personal exposure as much as possible.
Can you negotiate lines of credit that are already in collections?
Yes. Once a line of credit goes to collections, the original creditor has typically sold or assigned the debt to a third-party collector. The good news is that collectors often purchase debt at a deep discount, which means there’s more room to negotiate a favorable settlement.
We deal with collection agencies regularly and know how to navigate their tactics. Whether the debt is still with the original creditor or has been sent to collections, we can negotiate on your behalf to reduce what you owe and stop the collection pressure.
Do I need to hire a separate attorney, or do you handle legal issues?
Some of our clients have in-house attorneys for specific reasons. Our attorneys specialize in MCA contracts.
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.
Do you work with all MCA lenders, or only certain ones?
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.
How do I know you're credible and not a scam?
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.
Don’t Wait Until It’s Too Late
Set up a free consultation if you’re experiencing:
- Daily or weekly MCA withdrawals draining cash flow
- Stacked loans with overwhelming payments
- Vendor pressure or collection calls
- Lawsuit threats from creditors
- Maxed-out business credit cards
- Difficulty covering payroll or operating expenses
In 15 minutes, you’ll know exactly where you stand — and what’s possible.
We’ll Call You Within 24 Hours.
Yes, and this is something we handle carefully. Your vendor relationships are critical to your operations, so we approach these negotiations with the goal of reaching a settlement that works for both sides.