Creditors Relief
Creditors Relief is a US-based professional services firm that negotiates and restructures merchant cash advances, stacked business debt, business loans, and lines of credit for small and mid-sized business owners, using direct lender negotiation across UCC-secured and high-lien-exposure files.
- Company typePrivate
- Founded2010
- HeadquartersEnglewood Cliffs, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Creditors Relief does
Creditors Relief LLC is a US-based professional services firm founded in 2010 and headquartered at 333 Sylvan Ave, Suite 105, Englewood Cliffs, New Jersey. The company specializes exclusively in restructuring and settling merchant cash advance (MCA) obligations, stacked business debt, business loans, and overextended lines of credit on behalf of small and mid-sized business owners. Its core delivery model is a four-step process (Triage, Negotiate, Restructure, Resolve) executed by senior strategists and an in-house legal capability that negotiates directly with funders, including UCC-secured and high-lien-exposure positions that boutique competitors decline. Adjacent offerings include custom-tailored payment plans, debt consolidation, debt consulting solutions, and a free Cash Flow Stress Test tool used for prospect engagement.
The firm reports having served over 13,000 clients cumulatively and holds an A+ BBB accreditation, a 4.9-star Google rating across 500+ reviews, and a 4.8 Trustpilot score. No proprietary technology platform is disclosed; the service is built on domain expertise and negotiation methodology rather than software. Revenue is generated through professional services fees for debt negotiation and restructuring, with fees incorporated into the client's reduced payment plan so that the majority of program payments flow to lenders rather than to Creditors Relief; specific fee structures (percentage, contingency, flat, or hybrid) are not publicly disclosed.
The go-to-market motion is sales-led and primarily inbound, driven by an extensive SEO-optimized blog, case studies, customer testimonials, and a free qualification form (with phone and SMS capture) that feeds specialist outreach. A secondary channel recruits ISOs, MCA brokers, finance consultants, and referral partners through a dedicated partner program. The market served is exclusively US-based SMBs, with state-level restrictions disclosed in the Terms of Service. Ownership is private (founder/management-held LLC) with no disclosed institutional investors, funding rounds, or M&A activity.
Creditors Relief firmographics
Firmographics- Name
- Creditors Relief
- Legal name
- Creditors Relief LLC
- Website
- https://creditorsrelief.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Creditors Relief is a US-based professional services firm that negotiates and restructures merchant cash advances, stacked business debt, business loans, and lines of credit for small and mid-sized business owners, using direct lender negotiation across UCC-secured and high-lien-exposure files.
- Ownership category
- akta.pro rank
Creditors Relief industry classification
Industry- Product category
- Merchant Cash Advance Debt Relief
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Debt Settlement & Negotiation Services (FSAEAFAC)
- akta.pro secondary industries
- Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI), Debt Settlement / Negotiation Programs (Non-loan) (FSAKAIAK)
Keywords
Where Creditors Relief is headquartered
LocationHeadquarters
- HQ city
- Englewood Cliffs
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Creditors Relief business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- MCA/Business Debt Relief Services: Creditors Relief charges fees for negotiating and restructuring merchant cash advance and stacked business debt on behalf of clients. Fees are built into the client's reduced payment plan — the majority of program payments go toward resolving balances with lenders rather than toward Creditors Relief's own fees. The specific fee structure (percentage of debt, contingency, flat fee, or hybrid) is not publicly disclosed on the website.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Other | Free initial consultation and qualification review |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Creditors Relief product offering
Product offeringCore offering
Creditors Relief is a professional services firm that negotiates with merchant cash advance funders on behalf of small and mid-sized businesses to restructure and settle MCA, stacked, business loan, and line-of-credit debt. The service replaces daily or weekly ACH debits with a single consolidated weekly payment plan and resolves UCC-lien and aggressive-collection situations through direct lender engagement and in-house legal negotiation. The company charges fees for these services, structured into the client's reduced payment plan, and also operates an ISO/referral partner channel for MCA brokers.
Product overview
Creditors Relief offers a unified MCA debt relief platform centered on its core Merchant Cash Advance Debt Relief Program, which helps businesses restructure and settle stacked MCA positions through direct lender negotiation. The service portfolio includes custom-tailored payment plans (consolidating daily/weekly draws into single manageable schedules), debt consolidation services, and debt consulting solutions. The company also provides a free Cash Flow Stress Test tool for prospect engagement. For partners, an ISO/Referral Partner Program enables brokers and consultants to offer Creditors Relief's services to their merchant clients. The four-step process (Triage, Negotiate, Restructure, Resolve) is consistent across all service lines.
Differentiator
Problem solved
Functional benefit
Products and services
- MCA Debt Relief Program Core service for small and mid-sized business owners that restructures and settles merchant cash advance obligations, stacked debt positions, and high-lien-exposure files through direct lender negotiation and an in-house legal team. Delivered through a four-step Triage, Negotiate, Restructure, Resolve process and targeting US SMBs with daily or weekly MCA payments draining cash flow.
- Business Debt Relief (Loans & Lines of Credit) Strategic debt relief service for businesses with short-term business loans and overextended lines of credit that are crushing working capital. Provides negotiation, restructured repayment schedules, and consolidation for non-MCA commercial debt obligations.
- Stacked Debt Consolidation Service consolidating multiple concurrent MCA or business debt lender positions into a single unified repayment plan with predictable weekly payments, designed for businesses whose multiple funders are simultaneously pulling from the same cash flow.
- Debt Consulting Solutions Comprehensive financial consulting offering for businesses that assesses overall financial situations, develops tailored debt reduction strategies, and provides ongoing guidance toward debt freedom, distinct from active settlement negotiation.
Quantifiable outcome
- 92% reduction in monthly MCA payment (from $9,100+/month to $750/month) — behavioral health company case study
- +3 more outcomes
Companies that use Creditors Relief
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles2 records
Creditors Relief technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Creditors Relief partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- ISOs (Independent Sales Organizations)coreISOs are a core channel partner segment for Creditors Relief. They refer merchants who no longer qualify for MCA funding or who need relief from existing advances. The partnership provides ISOs with a real solution to offer their declined merchants, strengthening client trust and creating referral revenue.
- MCA BrokerscoreMCA brokers who originate merchant cash advances partner with Creditors Relief to refer clients who are struggling with existing MCAs. This allows brokers to maintain client relationships even after a client is declined for new funding or falls into debt distress.
- Referral PartnerscoreGeneral referral partners who send business owners in need of MCA relief to Creditors Relief. Partners benefit from a new revenue stream by offering clients a better path than another short-term stopgap advance.
- Finance ConsultantsminorFinance consultants who work with small business clients may refer clients experiencing MCA debt distress to Creditors Relief for specialized resolution.
- Strategic Alliance PartnersminorBroad category of strategic alliance relationships the company seeks to build for referral and partnership purposes. The website describes strategic alliances as a partnership category alongside ISOs and brokers.
Scale indicators4 records
Recent moves1 record
Expansion highlights5 records
Creditors Relief competitors and assessment
Company assessmentBroad incumbents
- Kapitus: Kapitus is a large small-business financing provider that offers MCAs, term loans, and working capital products. While it operates on the origination side rather than the relief side, it competes for the same SMB customer base and is part of the broader MCA ecosystem that drives Creditors Relief's inbound demand.
- Forward Financing: Forward Financing is a major direct funder of revenue-based advances and small business loans. As a large MCA originator, it is a counterparty in many of the settlements Creditors Relief negotiates, and it competes for the same SMB end-customer.
- Biz2Credit: Biz2Credit is a small business financing marketplace connecting SMBs to lenders, including MCA providers. It operates in the same SMB financial-services ecosystem and competes for the same end-customer, though on the origination rather than the relief side.
- Lendio: Lendio is a small business loan marketplace offering access to MCA, term loans, lines of credit, and SBA products. It serves the same SMB customer base as Creditors Relief but originates new credit rather than restructuring existing debt.
- National Debt Relief: National Debt Relief is one of the largest US debt settlement companies, focused primarily on consumer unsecured debt. It is a broad incumbent in the debt relief category with significantly greater scale than Creditors Relief, though it does not target the commercial MCA niche.
- Beyond Finance: Beyond Finance is a tech-enabled debt settlement company focused on consumer unsecured debt. It is a broad incumbent in debt settlement with a more digitized delivery model, representing a longer-term competitive direction Creditors Relief could face as the category modernizes.
- Fora Financial: Fora Financial is a direct funder of MCAs and small business working capital. It is a major counterparty in the MCA market and competes for the same end-customer as Creditors Relief, though on the origination side.
Direct peers
- DebtBlue: DebtBlue is a business debt settlement and consolidation firm that negotiates with creditors on behalf of small businesses. It is one of the few peers operating in the same business-debt-relief niche as Creditors Relief, with similar negotiations-led service delivery and SMB focus.
Emerging players
- Bounce Back Funding: Bounce Back Funding specializes in helping businesses consolidate and refinance existing MCA debt, often through new funding relationships. It overlaps with Creditors Relief's debt-consolidation and stacked-MCA work but operates with a funding-led rather than negotiation-led approach.
Others
- Accion: Accion is a nonprofit small business lender and advisory organization that serves underserved SMBs with credit and capital. It is an adjacent ecosystem participant — providing small business credit where Creditors Relief provides debt relief — and reflects the broader financial services landscape for SMBs in distress.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Creditors Relief social profiles
Digital presenceCreditors Relief compliance and trust
Trust signalCompliance1 record
Creditors Relief financial estimates
Financial estimateRevenue estimate
Valuation estimate
Creditors Relief leadership team
Management profileNumber of profiles
Profiles1 record
Creditors Relief funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Creditors Relief M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Creditors Relief
What does Creditors Relief do?
Creditors Relief is a professional services firm that negotiates with merchant cash advance funders on behalf of small and mid-sized businesses to restructure and settle MCA, stacked, business loan, and line-of-credit debt. The service replaces daily or weekly ACH debits with a single consolidated weekly payment plan and resolves UCC-lien and aggressive-collection situations through direct lender engagement and in-house legal negotiation. The company charges fees for these services, structured into the client's reduced payment plan, and also operates an ISO/referral partner channel for MCA brokers.
Is Creditors Relief a public or private company?
Creditors Relief is a private company. It is classified as unknown and is currently operating.
When was Creditors Relief founded?
Creditors Relief was founded in 2010. It employs 51 to 100 people.
Where is Creditors Relief based?
Creditors Relief is headquartered in Englewood Cliffs, United States, in the North America region.
How does Creditors Relief make money?
One revenue line is on record: MCA/Business Debt Relief Services.
Who are Creditors Relief's main competitors?
Broad incumbents on record are Kapitus, Forward Financing, Biz2Credit, Lendio, National Debt Relief, Beyond Finance and Fora Financial. DebtBlue is listed as a direct peer. Bounce Back Funding is listed as an emerging player. Accion is listed as an others.
Does Creditors Relief have an API?
No public API is recorded for Creditors Relief.
What industry is Creditors Relief in?
Creditors Relief's product category is Merchant Cash Advance Debt Relief. Its primary akta.pro industry code is FSAEAFAC, Debt Settlement & Negotiation Services, with a secondary code of FSAEAFAI, Collections & Creditor Negotiation Support (Debtor-Side). Its NAICS code is 5223 and its SIC code is 6163.