delanceystreet.com

{"@context":"https:\/\/schema.org","@graph":[{"@type":"CollectionPage","@id":"https:\/\/www.delanceystreet.com\/","url":"https:\/\/www.delanceystreet.com\/","name":"Delancey Street Debt Relief | Business Debt Relief and Settlement | Risk Free Consultation","isPartOf":{"@id":"https:\/\/www.delanceystreet.com\/#website"},"description":"Delancey Street is a premier and top rated business debt settlement company. Based out of NYC, Delancey Street helps clients nationwide get out of tough business debt situations. Visit our website and get a risk free consultation today.","breadcrumb":{"@id":"https:\/\/www.delanceystreet.com\/#breadcrumb"},"inLanguage":"en-US"},{"@type":"BreadcrumbList","@id":"https:\/\/www.delanceystreet.com\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home"}]},{"@type":"WebSite","@id":"https:\/\/www.delanceystreet.com\/#website","url":"https:\/\/www.delanceystreet.com\/","name":"Delancey Street","description":"Business Debt Settlement & MCA Relief","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.delanceystreet.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}

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We negotiate 40-60% reductions on merchant cash advances, SBA loans, vendor debt, and stacked advances, coordinating with outside counsel when legal escalation is warranted.","slogan":"Unwind Debt. 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Raiser","jobTitle":"Founding Partner & Chief Strategy Officer"},{"@type":"Person","name":"Vinay Metharamani","jobTitle":"Chief Executive Officer & Co-Founder"},{"@type":"Person","name":"Colton Schnall","jobTitle":"Chief Operating Officer & Co-Founder"},{"@type":"Person","name":"Max Soni","jobTitle":"Chief Marketing Officer & Founder"}],"contactPoint":{"@type":"ContactPoint","telephone":"+1-212-210-1851","email":"info@delanceystreet.com","contactType":"customer service","areaServed":"US","availableLanguage":["English"]}},{"@type":"Review","@id":"https://www.delanceystreet.com/#review-1","itemReviewed":{"@id":"https://www.delanceystreet.com/#localbusiness"},"author":{"@type":"Person","name":"Tyler Wilson"},"reviewRating":{"@type":"Rating","ratingValue":"5","bestRating":"5","worstRating":"1"},"reviewBody":"Thanks to the amazing team at Delancey Street, I am thrilled to share that I am now debt-free and my business is thriving. They successfully negotiated a great deal on my behalf while keeping me informed and updated every step of the way.","publisher":{"@id":"https://www.delanceystreet.com/#organization"}},{"@type":"Review","@id":"https://www.delanceystreet.com/#review-2","itemReviewed":{"@id":"https://www.delanceystreet.com/#localbusiness"},"author":{"@type":"Person","name":"Samantha Cooper"},"reviewRating":{"@type":"Rating","ratingValue":"5","bestRating":"5","worstRating":"1"},"reviewBody":"Delancey Street's approach was characterized by immense patience and a deep understanding of our needs. They meticulously guided us through the entire consolidation process, offering insights into potential payment plans and alternatives.","publisher":{"@id":"https://www.delanceystreet.com/#organization"}},{"@type":"Review","@id":"https://www.delanceystreet.com/#review-3","itemReviewed":{"@id":"https://www.delanceystreet.com/#localbusiness"},"author":{"@type":"Person","name":"Craig Donnelly"},"reviewRating":{"@type":"Rating","ratingValue":"5","bestRating":"5","worstRating":"1"},"reviewBody":"They didn't sugarcoat it which I liked. Overall, they were kind, professional and easy to work with. Most of all, they got the job done.","publisher":{"@id":"https://www.delanceystreet.com/#organization"}},{"@type":"HowTo","@id":"https://www.delanceystreet.com/#howto","name":"How Delancey Street Resolves Business Debt","description":"A four-stage process built by debt-relief professionals and former MCA insiders. File-by-file timelines provided in writing at intake.","inLanguage":"en-US","estimatedCost":{"@type":"MonetaryAmount","currency":"USD","value":"0","name":"Free consultation"},"step":[{"@type":"HowToStep","position":1,"name":"Intake & Triage","text":"Confidential review of contracts, ACH activity, UCCs, and any active legal threats. We map the full picture before we touch a phone.","url":"https://www.delanceystreet.com/#how-it-works-1"},{"@type":"HowToStep","position":2,"name":"Strategic Analysis","text":"Deep dive on each contract: usury exposure, COJ vulnerabilities, breach claims. We identify where your funders are weakest.","url":"https://www.delanceystreet.com/#how-it-works-2"},{"@type":"HowToStep","position":3,"name":"Expert Negotiations","text":"Senior-advisor-led negotiations across every funder, in priority order, with independent counsel engaged where legal matters arise. You stop taking the calls. 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{"@context":"https:\/\/schema.org","@type":"Article","@id":"https:\/\/www.delanceystreet.com\/#custom-article","mainEntityOfPage":"https:\/\/www.delanceystreet.com\/","isPartOf":{"@id":"https:\/\/www.delanceystreet.com\/"},"headline":"Business Debt Settlement & MCA Debt Relief","articleBody":"Welcome to DelanceyStreet. We are a premier business debt settlement company based out of NYC, that operates nationwide. If you stacked three or four merchant cash advances and the daily ACH is now pulling more than you bring in, you already know how you got into this situation. The first merchant cash advance covered a slow month, or perhaps paid for a project. Second one covered the first MCA you took, and was intended as a bandaid. Then, you kept taking more and more debt.\nDelancey Street is an attorney founded business debt relief company, built for one specific thing: merchant cash advance debt. Not credit cards. Not medical bills. MCAs, and the wreckage that comes when you have too many of them, and you can’t afford to them anymore. Every day, we have help business owners who have daily ACH pulls, UCC liens, confessions of judgment, frozen accounts, personal guarantees on the line.\nAt Delancey Street, we’ve settled more than $100 million in business debt across 1,000-plus businesses, and we work nationwide. If your daily ACH debits are pulling out more than your business takes in, you're in the right place — our company can help you.\n\nThe trap you're actually in\nBusiness owners who hire us didn't get here by running the business badly. Most of our clients didn't. The first advance covered a stretch of time. The second MCA covered the first. By the time you got a third MCA, the daily withdrawals are taking up to 15 to 30 percent of revenue before rent, payroll, or a single vendor got paid. Clients we help don’t have a budgeting problem. It's a capital problem. We help businesses who still have value, but now simply can’t keep up with the MCA. The financing you took was just built to drain your company, daily, whether you had a good day or not. Most MCA contracts are written so you're technically in default the moment you stacked the second position, the funder just hasn't pulled the trigger yet. There are many clauses in your agreements which prohibit you from doing things, like bouncing payments, stacking, etc, which automatically qualify as a default.\nWe've spent years on the other side of these contracts. We know how they're drafted, where the leverage sits, and what funders will and won't accept when the right pressure shows up.\n\nWhat Delancey Street does\n\nSettle the debt. With proper strategy, your MCA balance can be resolved for less, and restructured into something that is affordable. The goal is to extend the term, and if possible — reduce the balance.\nStop the daily bleed. We work to halt the daily and weekly ACH pulls that are crushing your cash flow, so the business can breathe.\nTerminate UCC liens. Almost all of our clients signed off on a blanket UCC lien when they took the initial MCA. As part of a successful outcome, we work on getting them released as part of the deal, in writing.\nHandle the emergencies. Frozen account. Restraining notice. Customers getting told to pay the funder instead of you. When the account is locked and payroll is Friday, that’s exactly when you need a company like Delancey Street to help you get out of this predicament.\nAct before default, when we can. Most MCA agreements contain a reconciliation clause almost no merchant even knows about, let alone successfully utilize. The smartest time to call us is before you miss a payment, not after.\n\n\nHow we work\nYou get a free, confidential review of your contracts, bank activity, UCC filings, and any active threats. We map an entire strategy before we accept you as a client.\nA few things that matter:\n\nOne team, every detail. Senior advisors run your file.\nCoordinated, not one-by-one. When you've got four funders who all know the others exist and each want to be paid first. We negotiate the whole stack as one strategy. The goal is to put out all the fires.\n\n\nWhy owners pick us over the rest\nWe only do MCAs. General debt settlement shops cut their teeth on credit cards. They don't know factor rates, reconciliation provisions, COJ vacatur, or the loan-versus-purchase argument that decides these cases. We do nothing else.\nWe're attorney-owned. Delancey Street is a debt relief company, not a law firm. When your situation needs legal help, we engage licensed counsel from our network covering all 50 states and D.C., and our company covers the legal cost. You can use our attorneys or your own. The bottom line is that we have the resources to coordinate a full spectrum defense strategy, both inside of court, and outside of court.\n\nWe'll tell you the truth, even when it costs us the deal\nPlenty of our competitors will do anything to get your business. So here's the straight version.\nIf you signed personal guarantees, we’ll explain what it means, after we review your agreements and explain the vulnerabilities you have. If your financial situation involves personal credit-card or consumer debt, that's not our lane and we'll point you to someone who handles it. Many of our clients have been sold enough fantasies. We'd rather give you the real plan.\n\nTalk to a senior advisor, not a salesperson\nFree, confidential review. A senior advisor calls you back fast with a realistic game plan and with detailed information on your options, no pitch, no obligation. Get your free MCA review →\n\nDelancey Street is a private business debt relief firm based in New York, serving businesses nationwide. We are not a law firm and do not provide legal advice; legal matters are handled by independently licensed attorneys. Not legal advice.","author":{"@id":"https:\/\/www.delanceystreet.com\/#organization","@type":"Organization","name":"Delancey Street"},"publisher":{"@id":"https:\/\/www.delanceystreet.com\/#organization","@type":"Organization","name":"Delancey Street"}}

{"@context":"https://schema.org","@type":"FAQPage","inLanguage":"en-US","mainEntity":[{"@type":"Question","name":"What's the difference between settlement, restructuring, modification, and a workout?","acceptedAnswer":{"@type":"Answer","text":"These business debt relief terms get used interchangeably and shouldn't be. Settlement is a discounted payoff resolving the debt entirely. Restructuring is renegotiating the terms (rate, term, payment amount) with the debt still owed in full. Modification is a narrower change to specific terms, often documented as a contract amendment rather than a new agreement. Reconciliation, for example, is a contractual modification that can also result in an adjustment to your payback. Workout is the broader umbrella term covering any negotiated change to a distressed obligation, including all of the above. Each term has a different legal implication and unlocks (or forecloses) different defenses."}},{"@type":"Question","name":"What does it mean when my funder \"sells\" my debt to a collection agency?","acceptedAnswer":{"@type":"Answer","text":"Two different things happen in the industry, and the distinction matters. In a true sale, the funder transfers ownership of the debt to a buyer (often for pennies on the dollar) and the buyer becomes the new creditor. Your defenses and contract terms travel with the debt.In a placement, the funder keeps ownership but hires a third-party collection agency to recover, paying them a contingency fee on whatever they bring in. The funder still owns the debt; the collector is just an agent acting on the lender's behalf. The wording on the notice you receive tells you which one is happening, and it changes who you're negotiating with."}},{"@type":"Question","name":"What's the actual recovery math the funder is running when they decide to settle?","acceptedAnswer":{"@type":"Answer","text":"When a lender is deciding what offer to accept, they're not anchoring to your balance. They're running a recovery curve that estimates what they'll net after legal spend, present-valued against their cost of capital (12–18% for most MCA shops), and the probability of actually recovering funds. Time is a factor: how long will it take? Could they recover 60 cents today, lend it back out at a 1.5 factor rate, and earn more than they would chasing your full balance? It's a multivariable equation.The bottom line: there is no hard-and-fast rule. Every situation is unique. If you're talking to a business debt settlement company taking a cookie-cutter approach, you're talking to the wrong company. Delancey Street prides itself on a tailored approach for every client. Before we accept you, we look at your situation, dig deep, and peel back as many layers of the onion as possible to understand exactly where you stand."}},{"@type":"Question","name":"Why do most settlements happen after default, not before?","acceptedAnswer":{"@type":"Answer","text":"Because default is what creates the urgency that makes funders willing to negotiate. A current, performing account will not get settled at a discount, it's just counterintuitive. Why would a lender give up principal to someone who isn't actually struggling? Funders detect a comfortable ability to pay and refuse to discount.That's the uncomfortable truth the no-fee debt-relief lead-gen sites won't tell you. A lot of firms will only engage you from an active-default posture. They won't tell you to default (and neither will we), but they only get to work once you have. The work we do is figuring out how to make that transition controlled, not chaotic, so you don't burn negotiating leverage in the first 72 hours."}},{"@type":"Question","name":"Why do funders settle at different numbers in different quarters?","acceptedAnswer":{"@type":"Answer","text":"Funder behavior isn't constant at all. Every funder has their own book, their own underwriting guidelines, and their own internal parameters. Settlement landing zones shift based on portfolio performance, what their lender (the capital provider behind them) is pressuring them about, regulatory developments, and macro conditions. Virtually every lender has a different idea of what success looks like for their book. Each funder is a different personality.A funder that was taking 45¢ in Q1 might be taking 32¢ in Q3 because their write-off quota for the year hasn't been hit and their portfolio manager is closing files aggressively. Same funder, same fact pattern, different number. This is why a settlement firm that closed deals with a specific funder in 2023 isn't necessarily current in 2026, funder behavior shifts, and the playbook has to shift with it."}},{"@type":"Question","name":"Should I settle my front-position MCA first, or the back-of-stack one?","acceptedAnswer":{"@type":"Answer","text":"Most people instinctively go for the cheapest deal first because it feels like a win. Wrong order. Settle the most aggressive position first, the one filing COJs, freezing accounts, calling daily. Buying peace from the loudest creditor restores operational stability, which restores cash flow, which funds the rest of the negotiations.At the end of the day, this is a conversation we need to have with you once we understand the full picture. Order of attack is one of the most consequential decisions in a stacked-MCA workout, and it's a decision we make case by case."}},{"@type":"Question","name":"My funder is offering me a \"renewal\" or \"consolidation\", should I take it?","acceptedAnswer":{"@type":"Answer","text":"This is the most common trap in the industry. It looks like relief, but it's really more debt under a different name. When you're struggling on an MCA, the funder will frequently offer to “consolidate” your balance into a new, larger advance with a longer term and a fresh factor rate, sometimes called a “refi” or “renewal.”What actually happens: the new advance pays off the old balance, you get a small amount of new working capital, but the total payback obligation balloons because the new factor rate applies to the entire new amount (old debt + new debt). It is not a permanent solution. It offers nothing except relief, and when the pain returns, it returns twice as hard. You've now committed to paying back significantly more money over a longer period, with a fresh COJ, a new UCC filing, and an extended personal guarantee.Renewals often increase total debt by 30–60% in exchange for short-term cash flow relief. Remember, you're signing up for a 1.5 factor rate (or something equally high). Some are legitimate. Many are designed to convert a distressed account into a healthier-looking one on the funder's books, while doubling your obligation."}},{"@type":"Question","name":"What's the \"true-loan recharacterization\" thing, and why does it matter so much?","acceptedAnswer":{"@type":"Answer","text":"MCA contracts are deliberately drafted as “purchases of future receivables” to dodge state usury caps. That label is how funders charge rates that would otherwise be illegal under state lending laws. Even the CFPB has noted that MCAs are “structured differently from traditional lending products.” But courts increasingly apply a multi-factor test: does the contract really track receivables, does reconciliation actually work, is there real risk of loss, is the personal guarantee triggered on ordinary business failure? If a court decides the contract is a loan in disguise, the entire enforcement structure can collapse, usury becomes a defense, COJ enforcement becomes vulnerable, and settlement leverage jumps dramatically."}},{"@type":"Question","name":"What's a \"release\" actually doing in my settlement agreement, and why does the wording matter?","acceptedAnswer":{"@type":"Answer","text":"A release is the contractual provision that extinguishes the creditor's right to come back at you later. The wording is everything. Many of the prospective clients we talk to have informal, word-of-mouth understandings with their lenders, “okay, we'll just lower the payments”, but nothing is papered.Settlements that pay the money but get the release wording wrong leave the door open for the funder to come back later for “additional amounts.” The release is the actual product you're buying. The check is just the price. We see deal after deal where merchants paid the discounted settlement but the agreement was silent on a specific category of recoverable amount, and the funder came back a year later to collect it. Don't settle for a release that isn't airtight."}},{"@type":"Question","name":"What does invoking reconciliation before default actually do?","acceptedAnswer":{"@type":"Answer","text":"It rewrites the entire strategy. Pre-default, you're a customer exercising a contractual right. MCA lenders are required to offer you reconciliation, that's exactly how they're permitted to charge effective rates that would otherwise be usurious. The contract isn't classified as a loan because, in theory, you're selling a percentage of receivables, and that percentage has to fluctuate with revenue. If your revenue drops, the daily debit has to drop with it.Post-default, the calculus flips. Asking for reconciliation now sounds like a defaulted borrower asking for a favor. A documented reconciliation request that the funder ignored, however, becomes evidence the “purchase of receivables” was a disguised loan, which collides with their COJ enforcement, opens usury defenses, and pushes settlement numbers down. Almost nobody invokes this clause because MCA funders gaslight merchants into thinking it doesn't exist or doesn't apply. It does. Many lenders will fight back, claiming there's no downtrend in revenue even when bank statements show one."}},{"@type":"Question","name":"Will the settlement actually be invisible to my customers and vendors?","acceptedAnswer":{"@type":"Answer","text":"For MCA settlement, probably yes. Most MCAs don't report to credit bureaus, and settlement documentation is private contract law, your vendors, customers, and bank typically don't find out. That said, some of the higher-end MCA lenders are starting to report to credit bureaus, so it's a mixed bag and the trend is moving against borrowers.The hard line is this: unless the funder has already sent UCC § 9-406 notifications to your customers directing them to pay the funder instead of you, your customer relationships are likely still intact. Once those notifications have gone out, the cat is out of the bag, and recovering those customer relationships becomes a separate, much harder problem."}},{"@type":"Question","name":"Why does my funder keep calling my customers?","acceptedAnswer":{"@type":"Answer","text":"UCC § 9-406. When a funder files a UCC-1 lien on your receivables and you default, § 9-406 lets them send written notification to your customers (the “account debtors”) directing those clients to pay the funder directly instead of you. They will often threaten your clients with legal action if they don't comply.This is one of the most damaging operational moves a funder can make. It exposes your distress to your customers, it can trigger contract clauses in your customer agreements (some have “no-encumbrance” provisions that allow customers to terminate), and it often destroys those relationships permanently. Stopping § 9-406 notifications, or unwinding them once they've gone out, is one of the higher-leverage moves in a workout."}},{"@type":"Question","name":"What's the single biggest mistake merchants make in the first 72 hours after they're served?","acceptedAnswer":{"@type":"Answer","text":"Calling the funder directly to explain hardship. That conversation gets recorded, becomes evidence of inability to pay, and accelerates the funder's enforcement posture.The second biggest mistake: wiring a partial payment “to show good faith,” which resets the default cure timing without resolving anything, and signals you have cash they didn't know about. The third: promising payment dates the business can't actually meet, which destroys your negotiating credibility for the rest of the engagement. In every one of these scenarios, the funder gains information they didn't have before, and you give it away for free."}}],"speakable":{"@type":"SpeakableSpecification","cssSelector":[".ds-mca-faq summary h3",".ds-mca-faq__a",".ds-faqs__a",".ds-service__faqs-list summary",".ds-service__faqs-list .ds-service__faqs-a",".ds-hub-faqs summary",".ds-hub-faqs__a",".ds-guide__faqs-list summary",".ds-guide__faqs-list p"]},"@id":"https://www.delanceystreet.com/#faq","mainEntityOfPage":{"@id":"https://www.delanceystreet.com/#webpage"}}