“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.”
Now booking · 30-min strategy calls
Unwind the debt. Unlock the growth.
We negotiate Merchant Cash Advance, SBA, and stacked-debt restructures for owners who need real reductions — not another loan. $100M+ settled.
Free ConsultationTrusted by
1,000+ businesses
Our Debt Free
Clients Have Spoken
1,000+
Businesses
helped
helped
“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.”
“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. Idk what they did, but the phone calls stopped and my cash flow was so much more manageable.”
14
Attorneys
In our network
50
States
Coverage
1,000+
Settled
Debt cases
$100
Million+
In debt settled
Proven Track Record
We are a vetted business debt relief team — backed by a network of attorneys you can count on!
Delancey Street is a business debt settlement partner for real businesses with real struggles — offering smart, strategic debt resolution rooted in industry experience, legal precision, and unwavering transparency.
We're not here to judge — we're here to clear a path.
As a company founded and managed by prominent attorneys and debt industry insiders, we combine credibility with empathy to help businesses restructure, rebuild, and grow the right way.
Free ConsultationIndustries We Serve
No Matter Your Business,
We've Got You Covered
Trucking
Delancey Promise
Keep your fleet rolling
Trucking
Trucking & Logistics
Fleet idled by stacked MCAs and fuel-card debt? We negotiate down advances, halt daily ACH withdrawals, and keep your trucks rolling and drivers paid.
52%
Avg. MCA payment reduction
180+
Carriers helped
- Halt daily ACH sweeps within 7 days
- Restructure stacked advances 3+ deep
- Protect CDL & operating authority
See trucking workouts
01 /
06
Restaurants
Delancey Promise
Keep the doors open
Restaurants
Restaurant Operational Support
Quick debt relief for equipment failures, lease pressure, and seasonal cash crunches. Helping you maintain smooth kitchen operations and stay open through the negotiation.
48%
Avg. payment reduction
$8.4M
Restructured this year
- Stop daily MCA debits, free up cash
- Negotiate lease arrears with landlords
- Keep doors open through resolution
See restaurant workouts
02 /
06
Auto Repair
Delancey Promise
Keep every bay full
Auto Repair
Auto Repair & Dealerships
Parts inventory financed by predatory advances? We restructure floor-plan and MCA stacks so your bays stay full and your A/R stops getting swept overnight.
46%
Avg. settlement
120+
Shops served
- Untangle floor-plan & MCA debt stacks
- Halt A/R sweeps overnight
- Vacate Confessions of Judgment
See auto-shop workouts
03 /
06
Healthcare
Delancey Promise
Protect your license
Healthcare
Medical & Dental Practices
Insurance reimbursement gaps shouldn't cost you the practice. We protect operating accounts, settle MCAs, and shield licensed professionals from personal-guarantee fallout.
55%
Avg. payment reduction
95%
License protected
- Shield personal guarantees from fallout
- Negotiate while you keep practicing
- Protect operating & escrow accounts
See practice workouts
04 /
06
Contractors
Delancey Promise
Keep crews on site
Contractors
Construction & Contractors
Slow-pay GCs and material spikes pushed you into bad debt? We unwind COJs, negotiate stacked advances, and keep crews on jobsites while we resolve every position.
50%
Avg. payment reduction
7 mo.
Avg. resolution
- Vacate COJs & lift UCC freezes
- Negotiate against multiple funders
- Keep crews paid through resolution
See contractor workouts
05 /
06
And more
Delancey Promise
Same playbook, any business
And more
Every Other Main-Street Business
Retail, manufacturing, professional services, salons, gyms, e-commerce — if you signed an MCA or business loan and it's now choking the business, our playbook applies.
1,000+
Businesses helped
$100M+
Debt settled
- Same playbook, every business type
- Senior advisor on every case
- Free consultation, every time
Browse case studies
06 /
06
Recent Wins
Real Businesses. Real Reductions.
Restaurant Owner
Brooklyn, NY
Retail Chain
Long Island, NY
Construction
Queens, NY
Real settlements. Names withheld for client privacy.
See all case studies
Real People. Real Success.
Restaurant Owner
New York, NY
42%
Savings
- Total Debt
- $425,000
- Weekly Payment
- $2,125
- Duration
- 6 mo.
- Total Savings
- $178,500
Real settlements. Names withheld for client privacy.
See all case studies
How It Works
From "I'm drowning"
to "I'm clear."
A four-stage process built by attorneys and former MCA insiders. Every case gets a written, case-specific plan at intake. You stay focused on running the business — we handle the negotiation, the paperwork, and the funder calls.
4
Stages
$100M+
Debt resolved
50%
Avg. Payment Reduction
01
Step 1
Intake & Triage
Dedicated case team
Confidential review of contracts, ACH activity, UCCs, and any active legal threats. We map the full picture before we touch a phone.
You receive
- 30-min senior advisor call
- Full debt schedule
- Triage memo & game plan
02
Step 2
Strategic Analysis
Find your leverage
Deep dive on each contract: usury exposure, COJ vulnerabilities, breach claims. We identify where your funders are weakest.
You receive
- Per-funder leverage report
- Settlement target ranges
- Risk-ranked priority list
03
Step 3
Expert Negotiations
Funders only talk to us
Attorney-supervised negotiations across every funder, in priority order. You stop taking the calls. We close the deals.
You receive
- Stop-pay & restructure letters
- Daily ACH halted
- Settlement agreements signed
04
Closeout
Recovery & Rebuild
Cash flow restored
Final closeouts, lien releases, credit guidance, and an operating plan so the cycle doesn't repeat. We finish the job.
You receive
- Lien & UCC releases
- Credit & banking guidance
- Post-resolution follow-up plan
Live now
Step 0 · Today · Senior advisors available
Free, confidential 30-min strategy call.
Real plan from a senior advisor in your inbox same day, with attorney network on standby. No obligation.
The Delancey Street Difference
Four reasons
borrowers pick up
the phone.
Founded by prominent attorneys and merchant cash advance industry experts. We have proven strategies and the leverage to get you out of business debt — and on the way to growth.
Apply NowMeet Our
Leadership Team
Behind every Delancey Street strategy is a real expert with real credentials — not a call center script. Our team includes attorneys, negotiators, and debt industry veterans who've been on both sides of the table. Meet the people who will personally handle your case, advocate for your business, and work relentlessly to get you the results you deserve.
Ready to Beat Your Bad Debt?
We've helped over 1,000+ businesses just like yours get out of bad debt — and back to running the business they love.
#delanceygotyou
We're in our own class
Delancey Street
Law Firms
Debt Relief Companies
Settle and Manage Debt
—
Have Full Legal Support for You
—
Handle All Types of Business Debt
—
—
Featured by The Media
—
—
Court Ready Defense Strategy
—
Founded by Industry Insiders
—
—
Get Started
Get Free
of Debt
Tell us a bit about your situation. A senior advisor reviews every submission and responds within 30 minutes — confidentially, with no obligation.
- 100% confidential
- No obligation, free consultation
- Senior advisor reply < 30 min
Newsroom
Press Releases
Announcements, milestones, and policy positions from Delancey Street. For media inquiries, contact press@delanceystreet.com.
Latest · Product Launch
“
Press Release
Delancey Street Launches Industry-First Pre-Default MCA Reconciliation Program for Small Businesses Struggling Under Merchant Cash Advance Payments
New program intervenes before default — restructuring daily ACH debits and renegotiating terms while businesses are still current. The first of its kind in the MCA industry.
Read full release
Expansion
March 19, 2026
Delancey Street Expands Attorney Network to 50 States, Offering Nationwide Merchant Cash Advance Defense
Coverage now extends to every U.S. jurisdiction. Vetted local counsel partner with the firm to handle COJ defense, UCC challenges, and litigation in their home states.
PR Newswire · Morningstar
Read
Milestone
February 4, 2026
Delancey Street Crosses $100 Million in Business Debt Settled — A Milestone for the MCA Borrower-Defense Movement
Cumulative settlement volume now exceeds $100M across more than 1,000 cases since founding. Average daily payment reduction held steady at 50%+.
PR Newswire
In the Media
We are trusted voices in debt management strategy
Delancey Street isn't just solving debt problems — we're shaping the conversation around them. Our founders and expert advisors are regularly featured in national media, invited to speak at industry events, and brought into boardrooms by major corporations seeking insight on complex debt, financial risk, and restructuring strategy.
From navigating high-stakes merchant cash advances to protecting business reputation during a downturn, our team's rare perspective — having operated on both sides of the lending table — makes us a trusted authority in moments that matter. When businesses or journalists need clarity on the evolving debt landscape, they call Delancey.
Built by people who've been on both sides. Knowing exactly how the lender thinks is what business owners say sets the firm apart.
A rare firm willing to tell business owners what they don't want to hear — that some debts are worth fighting, others are worth settling.
Delancey Street's playbook for negotiating MCA debt has become essential reading for distressed small-business owners weighing their options.
Knowledge Hub
Tactical writing from the team that actually closes these cases.
From Our Blog
We Know Debt.
Practical, attorney-reviewed reporting on MCAs, SBA workouts, COJs, UCC liens, and the playbooks funders won't tell you.
Browse All Articles
MCA Defense
Vol. 8 · No. 01
Defaulting on an MCA: the real...
9–12 min read
Defaulting on an MCA: the real consequences
Most people who default on a merchant cash advance have no idea what's about to happen to them.
Read More
Field Guide
Vol. 8 · No. 02
What happens when you default on...
9–12 min read
What happens when you default on a merchant cash advance
Welcome to Delancey Street. Our objective in this blog post is to educate you about what happens when you default.
Read More
Settlement 101
Vol. 8 · No. 03
Business Debt Settlement
9–12 min read
Business Debt Settlement
Welcome to DelanceyStreet. We're a premier business debt relief company, that helps business owners.
Read More
Live · We're answering today
Let's beat
bad debt.
A senior advisor will review your situation in under 30 minutes. Free, confidential, and 100% obligation-free.
Free consultation
No cost or obligation to talk through your situation.
No credit check
We never pull your credit on a consultation.
Direct line to a senior advisor
No call-center triage, no junior intake.
Or call us directly
104 W 40th Street,
New York,
NY
10018
· Mon–Fri 8a–7p ET
Free Consultation
Tell us about your debt.
Takes
~90 sec
100% Confidential
No Credit Check
4.9 / 5 (1,000+)