Company Comparisons

Merchant Program Solutions vs ClearBizDebt

ClearBizDebt and Merchant Program Solutions solve two different problems for a business owner under MCA pressure. ClearBizDebt is a single, specialized provider with one program. Merchant Program Solutions is the step before that: it reviews the business's situation — type of business, individual lenders, payment amounts and frequencies, and how the business operates — and refers it to an independent provider from a network. No outcome is promised by either company, and every business situation is different.

What ClearBizDebt does

ClearBizDebt describes itself on its own website as an attorney-backed program focused only on MCA debt, stating 19+ years in the space, 6,900+ business owners served, and $1B+ in business debt managed. Its site describes restructuring that replaces two, three, or four daily or weekly ACH payments with one reduced weekly payment while balances are negotiated down over time — not a new loan and not more borrowing — and states that when a creditor takes legal action, an attorney is assigned to the case at no additional cost.

How Merchant Program Solutions works

Merchant Program Solutions exists because programs are not one-size-fits-all. It works with a network of independent commercial debt restructuring companies and does the qualifying and business analysis first: the type of business, the different lenders and positions, the payment amounts and frequencies, and the way the business itself operates. Based on its experience with the companies in its network, it refers the business owner to the provider it believes fits best — which might be a single-program specialist, an attorney-backed model, or a different structure entirely. The referred provider is an independent company that explains its own services, fees, terms, and requirements.

Side by side

When ClearBizDebt may be the right fit

• A lender lawsuit, summons, or UCC notice is already part of the situation
• The owner wants legal defense and payment restructuring bundled in one program
• Replacing several daily or weekly ACH pulls with one weekly payment is the goal
• A provider that works only on MCA debt, with a long record in it, is preferred

Going directly to ClearBizDebt may make sense when the business has already concluded that an attorney-backed restructuring program is what it needs.

When Merchant Program Solutions' matching approach may fit better

• It is not yet clear whether the situation needs legal defense, restructuring, settlement, or a mix
• The owner wants several provider models evaluated against the specifics of the business
• The lenders and payment structures vary enough that different programs handle them differently
• The owner would rather have the comparison footwork done than research each company alone

What lender lawsuits and judgments involve is covered in the confession of judgment guide, and the two main program paths are compared on the restructuring vs settlement page.

Frequently asked questions

• Are the companies affiliated? No — Merchant Program Solutions is independent of ClearBizDebt and refers to a network of providers.
• What does ClearBizDebt do? Per its own website, it is an attorney-backed MCA-only program: one reduced weekly payment replaces multiple ACH pulls, balances are negotiated down, and an attorney is assigned if a creditor takes legal action.
• Which should a business owner start with? It depends on the situation — legal exposure, payment structure, and what the business can support. Every business situation is different.

How Merchant Program Solutions fits in

Merchant Program Solutions is a marketing and referral company. We are not a lender, law firm, or financial advisor, and we do not provide legal, tax, accounting, or financial advice. We collect basic information about your situation and, where appropriate, refer it to independent service providers who are responsible for their own services, fees, terms, and requirements. No outcome, approval, or result is promised.

Comparing Merchant Program Solutions with other companies

• Merchant Program Solutions vs Delancey Street
• Merchant Program Solutions vs Coastal Debt Resolve
• Merchant Program Solutions vs Creditors Relief
• Merchant Program Solutions vs Second Wind Consultants

Merchant Program Solutions is an independent marketing and referral company. It is not affiliated with, endorsed by, or sponsored by ClearBizDebt. The ClearBizDebt name is referenced here for identification only and remains a trademark of its respective owner. The description of ClearBizDebt on this page summarizes information that ClearBizDebt publishes publicly on clearbizdebt.com; details about any company's services, fees, terms, and requirements can change, so verify them directly with ClearBizDebt before making a decision.

This page is general information only and is not legal, tax, accounting, or financial advice. Every business situation is different.