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In the Media

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Featured
Legal · May 17, 2026 · 6 min read

Business Debt Settlement

Welcome to Delancey Street. This article is geared towards helping business owners understand Business Debt Settlement and Relief. This is the ultimate guide, for 2026, on all the different options, pros, cons, and relief solutions available…

MS
Max Soni
Delancey Team
Read article

STRATEGIES

May 14, 2026
Strategies to Overcome Merchant Cash Advance (MCA) Challenges
The unfiltered playbook on MCA challenges — what your broker won't tell you, why the reconciliation clause is the whole ballgame, why the first…
DE Delancey Editorial

MCA

May 14, 2026
MCA Settlement for Restaurant Owners: Industry-Specific Patterns and Workouts
Restaurants carry MCAs differently than other businesses. Cash flow timing, processor mix, and seasonal swings shape both how restaurants end up stacked and how…
DE Delancey Editorial

5

May 14, 2026
5 Things You Need To Know About Reconciliation Clauses in Your MCA Agreement
The reconciliation clause is your single most important contractual right in an MCA. Understanding how funders abuse it (and how to enforce it) is…
DE Delancey Editorial

FIGHT

May 14, 2026
Fight Personal Guarantee MCA: Enforceability, Statute of Limitations, and Collectability
Personal guarantees on MCAs aren't bulletproof. Enforceability defenses, statute of limitations issues, and collectability arguments can dramatically reduce or eliminate exposure.
DE Delancey Editorial

MCA

May 14, 2026
MCA Intercepting Credit Card Processing: How To Negotiate Processor Release
When an MCA funder serves UCC § 9-406 notices on your credit card processor, your receivables get redirected directly to the funder. Here's how…
DE Delancey Editorial

STOP

May 14, 2026
Stop Daily ACH Withdrawals MCA: How To Actually Halt the Debits
Stopping daily ACH debits from an MCA funder is possible, but doing it the wrong way creates a default. Here's how to halt the…
DE Delancey Editorial

GET

May 14, 2026
Get Out of MCA as a Sole Proprietor: Personal Asset Exposure Without a Corporate Veil
Sole proprietors don't get the corporate liability shield that LLC and corporation owners rely on. MCA exposure looks very different when there's no veil…
DE Delancey Editorial

SBA

May 14, 2026
SBA Loans as an MCA Exit Strategy: The Real Qualification Math
SBA 7(a) consolidation is the gold standard MCA exit, but most stacked merchants don't qualify. Here are the pros, cons, and the actual underwriting…
DE Delancey Editorial

6

May 14, 2026
6 Realistic Ways To Get Out of Merchant Cash Advance 2026
Forget the magic-bullet solutions advertised online. These are the six MCA exits that actually work in 2026, ranked by viability and cost.
DE Delancey Editorial
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Insights

Top questions

What is business debt settlement?
A negotiation process where a business resolves its commercial debts (MCAs, SBA loans, equipment finance, lines of credit) for less than the full amount owed, typically by demonstrating financial hardship. Distinct from bankruptcy, settlement is a private contractual agreement.
Is it the same as Chapter 11?
No. Chapter 11 is a court-supervised reorganization. Settlement is a private negotiation, faster, less public, and usually cheaper. We sometimes refer clients to Chapter 11 when the math favors it.
Will it ruin my credit?
Defaulted accounts are reported regardless of whether they are settled or not. Settlement actually shortens the period of damage by closing the account.
How long does it take?
Every engagement is different. Timelines depend on the number of positions, whether litigation is filed, and how each creditor responds. We do not publish averages because publishing one would set an expectation we cannot honor for every business. We give you a written, engagement-specific timeline at the end of the first call.
What does it cost?
Our fee is a percentage of your total enrolled debt. We tell you exactly what we'll charge in writing before any work starts.
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