Business Debt Settlement
Settle Your Business Debt. Keep Your Business.
Spearpoint negotiates merchant cash advances and other commercial business debt for U.S. business owners, so you can lower your payments, free up cash flow, and get back to running the company.
Built for Owners Buried Under Advances
If daily or weekly payments are taking more than your business can spare, it's rarely because you ran the company badly. One advance covers a slow month, the next covers the first, and the payments compound until cash flow can't keep up.
Spearpoint steps in with a founder-led team that knows how funders think, and builds a plan around your actual numbers.
Funders deal with us, not you
Our team takes over the negotiation, the paperwork, and the funder calls, so you can stay focused on running the business. You get regular status updates along the way.
A plan built around your cash flow
We review every advance, funder, and payment structure, then build a specific plan aimed at lowering what you pay each month and settling balances for less than you owe.
Legal support when you need it
When your case calls for a lawyer, we coordinate it through our nationwide attorney network, so you're never facing a funder's legal team alone.
Questions Owners Ask Before They Call
Will this ruin my credit?
Most merchant cash advance funders don't report to the credit bureaus, but it varies by funder and by your agreements, and other kinds of business debt may be treated differently. We'll tell you what applies to your situation in your free consultation, before you decide anything.
What about my personal guarantee?
A personal guarantee can make you personally responsible for a business debt, so it matters. We review your agreements up front, explain where you're exposed, and coordinate legal support through our nationwide attorney network when your case needs it.
Do I have to default first?
It depends on your agreements and where you are today. Rather than a canned answer, we look at your specific situation in the free consultation and tell you honestly what makes sense.
Will a funder sue me?
Some funders do take legal action, and that risk is one reason legal support matters. We can't promise how any funder will act, but we plan for it from the start and coordinate legal support through our attorney network if your case calls for it.
Can I keep running my business during the program?
Yes, that's the point. We take over funder communication, negotiation, and paperwork so you can stay focused on operations, and you get regular status updates along the way.
What does it cost?
We explain exactly how the program works and what it costs during your free consultation, before you commit to anything. The consultation itself is free, confidential, and carries no obligation.
How long does it take?
It depends on your debt, your funders, and your cash flow. Many clients target roughly 6 to 18 months, and we map your timeline in your plan.
Are you a law firm?
No. Spearpoint is a business debt settlement company, not a law firm. When your case needs legal support, we coordinate it through our nationwide attorney network.
What happens after I'm debt-free?
You're free to walk away debt-free. If you'd like to keep working with us, optional advisory services are available under a separate agreement. Learn more about the Spearpoint Path.
Ready to See Where You Stand?
Tell us about your debt. We respond personally within 30 minutes during business hours. Free, confidential, and no obligation.
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