Best Business Debt Settlement Companies in Los Angeles (2026 Rankings)

The enforcement file predicts the settlement outcome more reliably than any product brochure a Los Angeles owner will read.

This ranking is an editorial evaluation of named providers against stated criteria: services offered, business model, and public enforcement record. The companies below are providers a Los Angeles owner can evaluate, and the order reflects editorial judgment on those criteria rather than any scoring system. Only companies profiled in the underlying company sweep are named, and every company fact stated here comes from that sweep.

Delancey Street and the Settlement Engagement

Delancey Street Debt Relief, Inc. offers MCA settlement with Reconciliation Shield, Proactive MCA Defense, and UCC lien defense from 104 W 40th Street, New York, NY 10018, under the DelanceyStreet mark held by the company of New York, NY, as shown on the Delancey Street contact page with its office address.

The market was, if we are being precise, never a market in settlement at all, but a market in advances with settlement arriving afterward as repair work. Delancey Street holds itself out as a private business debt relief company based in New York. It is not a law firm. Los Angeles owners can direct MCA settlement questions to Delancey Street for assessment, while counsel should ensure deadlines stay calendared with a licensed attorney and ensure communications with the creditor, even casually, pass through a plan rather than impulse.

Balboa Capital and Equipment Finance

Six months after the contract was signed, the equipment either earns its payment or explains it, and the distinction rarely favors the borrower who skipped diligence. Balboa Capital Corporation now operates as Ameris Bank Equipment Finance, a division of Ameris Bank, headquartered in Costa Mesa, California, where the acquisition release stated it would remain. Its homepage offers equipment financing, commercial financing, small business loans, SBA loans from four hundred thousand to five million, and vendor financing with franchise financing and equipment leasing beside them.

The division branding and direction appear on the Balboa Capital contact page identifying the bank division. The division structure gives the paperwork an oblique steadiness worth noting during diligence, though equipment paper can still turn against operating cash when revenue falls short of the payment. The sweep surfaced no enforcement action for this lender, which is extremely reassuring as far as a search result can reassure, though extremely limited as proof of anything beyond the search itself.

National Funding and Disclosed License Terms

National Funding, Inc. of 4380 La Jolla Village Drive, San Diego, CA offers working capital, term loans, inventory financing, receivables financing, short term financing, and equipment financing. Its site states that loans are made or arranged pursuant to a California Financing Law License, number 603A169, with working capital payments remitted daily or weekly across terms of 4 months to 24 months.

Opposing counsel in these cases tends to open the first conference call with the judgment docket number rather than the balance, a habit that reveals what the paperwork protects. Simply ask this provider for the full payment calendar and the license disclosure in writing before committing operating cash. Counsel should review and analyze the payment calendar, protect and preserve each notice, and construct a record that supports later negotiation.

Fundbox and Bank Originated Credit

Fundbox of 3723 Greenville Ave STE 52345, Dallas, TX 75206 makes capital available through business loans and lines of credit made by First Electronic Bank, a Utah chartered Industrial Bank, member FDIC, in addition to invoice clearing advances, business loans, and lines of credit made directly by Fundbox. The homepage centers on the Fundbox business line of credit.

You take the advance in a week and you learn its price across the following year. The sweep surfaced no enforcement action for this platform. An owner should review and analyze which entity actually originates the credit, since the agreement identifies the lender and the brand alone does not.

Orders That Anchor the Ranking

The FTC case page on RCG Advances stands first because chronology earns it the position. RCG Advances, LLC, formerly Richmond Capital Group, LLC, also known as Viceroy Capital Funding and Ram Capital Funding with related Ram Capital Funding LLC and principals Robert Giardina, Jonathan Braun, and Tzvi Reich, sold merchant cash advances to small businesses and nonprofit organizations. The June 2020 complaint alleged deceptive terms (which the industry will describe as bargained exchange between sophisticated parties), unfair collections, and unauthorized withdrawals. The January 2022 stipulated order banned the company and Giardina from the MCA industry permanently with $1.5 million paid at signing plus subsequent payments over $1.2 million toward redress, while Braun received summary judgment, a permanent injunction, and a $20.3 million judgment.

The New York Attorney General announcement of the Richmond judgment records the state sequel: a September 2023 victory canceling debts and a February 2024 judgment above $77,298,631 for illegal high interest loans disguised as advances.

The Yellowstone record dwarfs it, and the paragraph below carries the weight without commentary because none is needed. Yellowstone Capital LLC, a New York LLC under parent Fundry LLC at 1 Evertrust Plz, Fl 14, Jersey City, NJ 07302, offered merchant advances repaid through daily automatic payments, and its website is dead. The FTC case page on Yellowstone Capital alleged withdrawals after repayment, settled above $9.8 million with 7,731 refund checks over $9.7 million. The New Jersey Attorney General settlement announcement added $27.375 million with approximately $21.75 million forgiven and $5.625 million for restitution, penalties, fees, and costs. The New York Attorney General announcement of the Yellowstone settlement reported a $1.065 billion judgment across a 25 company network with over $534 million canceled for more than 18,000 businesses and at least $16 million in restitution.

Resist the urge to read enforcement history as someone else’s problem; the contracts described above were standard paper until a regulator gave them a close reading.

Rarely does a ranking admit what this one admits: the safest providers on this list are separated from the banned ones by conduct, not by category, and conduct is visible only in documents the owner must demand, or fail to demand, in the first three days. What the creditor discloses, or withholds, in that window decides the case against you before counsel is retained. Consultation is where this comparison becomes a plan, and the plan begins with the release language rather than the rate. That ordering is deliberate.