MF
RUN AWAY!!
RUN AWAY!!! Do not engage with these people. They are scammers.

Business Debt Ninjas helps small business owners break free from overwhelming Merchant Cash Advance (MCA) debt and other high-cost obligations through strategic debt restructuring, negotiation, and settlement - so you can stabilize cash flow and keep your doors open. Our mission is simple: create a win-win path that reduces balances and payments without forcing you into bankruptcy or shutting down operations. Unlike one-size-fits-all “consolidation loans,” we negotiate directly with MCA companies and other creditors to lower payments based on your current revenue, streamline daily/weekly drafts, and build a sustainable plan tailored to your business realities. From restructuring agreements to comprehensive debt management programs, our specialists guide you step-by-step until the pressure eases and your business can breathe again. We serve entrepreneurs across industries - food service, healthcare, staffing, transportation, and more - who are juggling multiple advances or aggressive repayment schedules. If daily or weekly withdrawals are cutting into payroll, inventory, or growth, our MCA debt relief team is ready to help. We support clients in Chicago, New Jersey, and beyond across the U.S. Facing a creditor dispute or debt collection lawsuit? Our network of experienced attorneys pairs legal strategy with proven negotiations to protect your company, reduce exposure, and work toward a positive, business-first outcome. Clients choose Business Debt Ninjas for fast, organized settlement workflows that keep deals moving and minimize disruption - so you can focus on customers, team members, and growth.
Business Debt Ninjas (businessdebtninjas.com) has 4 customer reviews on Five Star Index, with an average rating of 1.0 out of 5.
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MF
RUN AWAY!!! Do not engage with these people. They are scammers.
QAQC L.
Trying to get my money back. Bad people.
Andrew M.
First of all. They do not directly provide the service they sell. They promise you the world and then after you sign a contract, they send it to DAG law firm to actually try to handle your settlement. They will tell you they work with your lender all the time and promise no surprises. Once you start sendign them money then they tell you that your lender doesn't settle any lower amount and now you have to pay more than what they told you that you would pay. It ends up costing you more money then what you owe your lender. Furthermore, when you cancel the service they tell you that you owe 20 percent of the amount of your loan (which is not with them) as a cancellation fee. When you ask for a refund they will tell you that it will be reviewed at the end of the month and then they go radio silent. When you call them they tell you that it will take several months for the refund review. When you challenge this, the law firm tells you that they don't give refunds for false promises from Debt Ninjas and they are a third party. Debt Ninjas will go radio silent and not help at all. You can negotiate the same things with your daily payment amount with your lender so save yourself time and money and negotiate directly with your lender. Otherwise you are just paying these guys money to do nothing for your situation.
Brandon R.
Run from these guys! They are a scam. I never got any resolution. I cancelled within 6 days, their contract allows for 5 days, but I didn't cancel the "right way", so they debited me $10K. They never even started on anything, and no work was ever done. I never even had a meeting with anyone more than a sales guy.