Best Business Debt Settlement Companies in Mississippi (2026 Rankings)

No funder sells the collection, and a Mississippi owner who judges providers by their homepages will meet the collection without ever having read its terms.

This is an editorial evaluation of named providers against stated criteria (services offered, business model, public enforcement record), and the order below reflects editorial judgment on those criteria rather than any purchased ranking. No scores, ratings, review counts, savings figures, or licensing findings are assigned. The providers are framed as options a Mississippi business could evaluate.

Stacked positions convert the operating account into a conduit, and the owner who waits for a pause in the debits waits for a courtesy the agreements never promised.

Delancey Street

When the sweeps have already begun, when the processor history already runs to dozens of pages, when counsel asks for the ledger before offering any view of the outcome, the owner learns that settlement is an exercise in documentation before it is an exercise in persuasion, and that the file rewards the owner who assembled it early.

Delancey Street Debt Relief Inc of New York lists MCA settlement with Reconciliation Shield, Proactive MCA Defense, and UCC lien defense in its own navigation. The company works from 104 W 40th Street in New York, and its own site states, in language worth quoting exactly, that Delancey Street is a private business debt relief company based in New York and not a law firm.

The sweep surfaced no state or federal enforcement action naming the company, which is a search result rather than proof of a clean record. The contract sat in the account like a stone in a shoe, unnoticed at signing and unbearable by the third sweep.

A Mississippi owner can request a confidential initial review through Delancey Street, which coordinates with independently licensed counsel for legal work. The objective is to ensure the ledger sets the strategy, and to ensure independent counsel handles the legal work the company does not perform. Simply gather the contracts with the sweep history, and counsel will review and analyze the exposure from there.

GoKapital

GoKapital of Miami operates from 3191 Coral Way in Miami, offering real estate financing that spans hard money, investment properties, commercial real estate loans, bridge loans, and foreign national loans, alongside business loan solutions that include business line of credit, merchant cash advance, working capital, equipment financing and leasing, small business loans, and startup business loans.

And the breadth of the menu answers a different question than the owner is asking. The owner asks what happens on default, and the menu answers what happens on approval, and the two answers share only a letterhead.

The sweep surfaced no state or federal enforcement action, which is a search result rather than proof of a clean record.

Everest Business Funding

Everest Business Funding LLC of Miami offers revenue based financing with fast working capital and business term loans. The street address at 12496 NW 25th Street rests on a business bureau profile, since the own site lists phone contacts without a street address.

A California order concerning a different company with a similar name is not conflated with this funder in the profile, a distinction the file preserves and this evaluation honors. No owner has ever thanked the sweep schedule, though many have signed it twice.

The sweep surfaced no state or federal enforcement action, which is a search result rather than proof of a clean record.

National Funding

National Funding Inc of San Diego offers working capital with term loans, inventory financing, receivables financing, short term financing, and equipment financing from 4380 La Jolla Village Drive. Terms run four months at the short end and twenty four at the long end, with payments remitted daily or weekly.

The own site prints California Financing Law license number 603A169, a detail recorded here because the company itself publishes it. The sweep surfaced no state or federal enforcement action.

The coffee in the conference room goes cold before the ledger review ends.

Rapid Finance

Rapid Finance of Bethesda works from 4500 East West Highway in Bethesda. The company lists small business loans, merchant cash advance, line of credit, bridge loan, SBA loan, invoice factoring, asset based loans, and commercial real estate loans.

The sweep surfaced no state or federal enforcement action. That is a search result rather than proof of a clean record. Counsel should see the contracts before the collector calls.

Richmond Capital Group

RCG Advances LLC, formerly Richmond Capital Group LLC, sold merchant cash advances to small businesses and nonprofits as a now defunct New York based operation with no verified address and no operating website, trading also under the names Viceroy Capital Funding and Ram Capital Funding with principals Robert Giardina, Jonathan Braun, and Tzvi Reich.

The Federal Trade Commission complaint of June 2020 alleged deceptive MCA terms with unfair collections and unauthorized withdrawals. RCG Advances with Robert Giardina left the industry under a permanent ban with an upfront payment of 1.5 million plus subsequent payments above 1.2 million for consumer redress, while Jonathan Braun absorbed summary judgment with a permanent injunction and a judgment of 20.3 million. The New York Attorney General then canceled small business debts through a September 2023 court victory and followed it with a February 2024 judgment above 77 million for illegal high interest loans disguised as MCAs, as the New York Attorney General historic judgment announcement reports. The statute is not entirely clear on every point the complaints raised, which is part of why the complaints mattered.

The enterprise was organized in order to defeat the very review this evaluation performs. What an owner signs, or leaves unsigned, in the first days after funding decides the options at the end. Owners should give the collector nothing in conversation, and any explanation of the shortfall, even casually volunteered, can become evidence used against the business.

Ban orders of this kind close one name and warn every other. The criteria above exist so the next name meets an owner who reads the ledger first.