Settle your business debts for less than you owe
Just Settlements negotiates full and final settlements on business debts with banks, invoice finance providers, suppliers and other commercial creditors — typically for less than 50% of the original debt. Where appropriate we may also assist with commercial engagement and settlement proposals relating to HMRC arrears. A viable alternative to CVA, administration or liquidation.
- No upfront fees — results-based pricing
- Explore a commercial resolution while considering the company's and directors' respective positions
- Confidential, non-judgemental support for directors
Free, confidential business debt review
Tell us what the business owes and we’ll outline your options.
Real business settlements we’ve negotiated
Every case is different, but these recent examples show what’s possible when banks and other commercial creditors agree to a full and final settlement. HMRC outcomes depend on the statutory position, the circumstances and the available recovery alternatives.
Original debt
£110,000
Settled for
£17,600
Original debt
£88,579
Settled for
£650
Original debt
£105,978
Settled for
£56,000
Original debt
£259,000
Settled for
£195,000
Original debt
£18,673
Settled for
£8,000
Original debt
£8,428
Settled for
£674
“Where clients have been informed that a CVA, debt management, liquidation or bankruptcy is the only way out, we offer an alternative solution — a better way.”
Michael Jackson
Just Settlements
Business debt affects more than the balance sheet
Creditor pressure, HMRC arrears and personal guarantees can affect sleep, relationships and decision-making. Asking for support is not an admission of failure. It is a practical step towards understanding the position and taking back control.
Read about business debt and mental wellbeingWhy appoint Just Settlements?
We combine decades of negotiation experience with a service built around your peace of mind.
Unparalleled track record
25 years brokering business settlements with commercial creditors at typically less than 50% of the original debt. We only take on cases we believe we can win.
Commercial resolution for the company and its directors
We explore a commercial resolution while considering the company's and directors' respective positions. Any director-guarantee element is subject to a separate eligibility and regulatory-perimeter assessment before we can confirm scope.
Freedom from creditor contact
Once you authorise us, HMRC, banks, suppliers and enforcement agents deal directly with us. You get back to running the business.
Swift resolutions
We negotiate settlements quickly to avoid winding-up petitions, enforcement and drawn-out court processes.
Results-based fees
You only pay when we successfully resolve your business debt. Our goals are aligned with yours from day one.
We negotiate with all major business creditors
Our team has settled business debts with high-street banks, invoice finance providers, commercial landlords, asset finance houses, trade suppliers and enforcement agents.
HMRC arrears
We may assist with commercial engagement and settlement proposals where appropriate. HMRC’s approach depends on its statutory duties, the circumstances and the available recovery alternatives. No reduction or payment arrangement can be assumed.
Frequently asked questions
Take the first step today
A short, confidential conversation is all it takes to understand your options. No pressure, no upfront fees.