National Credit Partners Services

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Business Debt Relief

Business debt relief is accomplished by coming to a mutually beneficial agreement between debtor and creditor(s). National Credit Partners has the tools and expertise to negotiate new terms very effectively. Our team is comprised of dedicated experts who specialize in small business debt relief.


Once you’re enrolled in our relief program, we will get to work immediately to negotiate a payment arrangement that allows you to become cash-flow positive and pay down your debts faster. This will help free your mind of worry allowing you to focus on your business and increasing its revenue.


The negative credit impact you take during our program is less than that of bankruptcy. Oftentimes the payment and pay back terms are more manageable as well. You won’t have to deal with lawyers, hearings or any legal aspect that you would have to deal with during a bankruptcy either.


Merchant Cash Advance Relief

Merchant cash advance loans are designed to give merchants an advance on their business’s sales. Many times, borrowing against future earnings makes sense and is not highly risky. However, there are times where cash-flow slows down unexpectedly. When this happens, making the typical 8% to 30% daily payments based on sales is hard because an MCA payment is only one of many business expenses. It doesn’t take long for a borrower to get behind on payments during such downturns. The good news is that it is in your lender’s best interest to work with you to find a manageable payment arrangement.


Merchant cash advance relief is designed to make MCA payment terms that have become unmanageable, manageable. Merchant cash advance relief is a process of negotiating a mutually beneficial agreement between debtor and lender. This typically includes lowering payments, lowering interest rates and setting payments on a weekly, bi-weekly or even monthly payment schedule.




 Business Debt Restructuring

All other business debt help options include the restructuring of business debt. Business debt restructuring is the process of rearranging payment schedules, negotiating interest rates and lowering payment amounts.

A business debt restructuring program is designed to be a win, win. By working with you, your lender is better securing the payback of your loan. And by restructuring your debt in a manageable way, you are able to avoid bankruptcy and the negative credit impact that goes along with it.

You will quickly be able to make quicker headway paying down your debt. You can also begin building up an emergency fund so you can avoid the need for another loan if business slows down. Either way, if you manage your income correctly after your business debt has been restructured, you can get your business finances back on track.

Business Loan Modification

Again, this is another common term associated with business debt help. Business loan modification is synonymous with business debt restructuring. They are the same thing, just with different wording.

Typically, someone searching for a modification or restructuring program are not as far behind on their debt as someone searching for a relief or cash advance settlement program. So, even though modification or restructuring are a part of business a debt relief program, the wording used is oftentimes telling of how severe someone’s debt situation is.


Business Debt Relief Conclusion

As you can see, there are many options for dealing with business debt. The best first step is consulting with an expert. This alone will lift stress just knowing you are ready to deal with the problem. You will soon know that you are by no means alone and that there is an option that can help in your particular situation.

Once you have found the right company and the right program, make an effort to change the way you handle business finances for the better. You don’t want to find yourself in a repeating cycle of being in a financial hardship. Some ideas include looking for ways to save money within your business, ways of expanding your services and increasing customers and saving money to help fund your business needs rather than needing to borrow money.

In the end, you can use the hardship you are facing to avoid another one and work your business smarter, staying in the black even during downturns.

Services includes:

  • Debt Management
  • Bankruptcy
  • Business Debt Restructuring
  • Analyzing Business Debt
  • Business Loan Modification
  • Debt Negotiations
  • Network of Attorney
  • Commercial Debt Restructuring Strategies
  • Debt Counseling Exit Strategies
  • Organization Debt Restructuring
  • Graduated Debt Relief
  • Personal Debt Analysis

Why Us?

We Have Helped Businesses Restructure Millions in Debt. We have over 20 years of combined experience in the industry and an A+ BBB Rating. Our process increases cash flow and eliminates debt.

Who We Are

National Credit Partners is a business financial firm that specializes in business debt relief and business loan modification. By leveraging our knowledge of the Merchant Cash Advance industry and relationships with direct lenders, we are able to get results quickly and without legal action being filed.


Provides a lifeline for over-extended business owners who are drowning in debt.

  • Reduce your business debt payments by up to 40%-60%
  • Improve business cash flow quickly
  • Save your business from closing

AFCC Member

We are an American Fair Credit Council alliance member business. We strive ourselve to follow AFCC’s strict Code of Conduct. AFCC has determined that National Credit Partners meets AFCC Alliance Membership Standards.

Inquire About Our Proven Debt Relief Strategy

Our Office

1551 N. Tustin Ste 190
Santa Ana, CA 92705

Office Hours

Mon-Fri: 8am – 5pm PST
Sat-Sun: Closed

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We are an A+ BBB Rated Company