The Delancey Blog

We Know Debt.

Tactical writing from the team that resolves $100M+ in business debt every year. No SEO bait. No 'top 10' lists. The actual playbook, in print.

In the Media

What they're saying

Featured
Featured · October 7, 2026 · 7 min read

When Does an Ohio Business Need an Independent MCA Lawyer in 2026?

Merchant Cash Advance A merchant cash advance is structured as a purchase of a business’s future receivables rather than a loan. The funder pays a lump sum and collects a larger fixed amount through daily or…

DE
Delancey Editorial
Delancey Team
Read article

WHEN

October 7, 2026
When Does a Missouri Business Need an Independent MCA Lawyer in 2026?
A Missouri Merchant’s MCA A merchant cash advance is sold as the purchase of a business’s future receivables, which is repaid via daily or…
DE Delancey Editorial

MINNESOTA

October 7, 2026
Minnesota MCA Debt: Preparing for Independent Legal Advice
Merchant Cash Advance isn’t a loan, they explain. It’s a purchase of future receivables. So all those goddang interest rate caps don’t apply. The…
DE Delancey Editorial

WHEN

October 7, 2026
When Does a Massachusetts Business Need an Independent MCA Lawyer in 2026?
A merchant cash advance is promoted as the sale of a business’ future receivables, not as a loan. The rationale is that this takes…
DE Delancey Editorial

WHEN

October 7, 2026
When Does a Louisiana Business Need an Independent MCA Lawyer in 2026?
In a merchant cash advance, the business is deemed to have sold its sales to the merchant cash funder and not to have borrowed…
DE Delancey Editorial

INDIANA

October 7, 2026
Indiana MCA Debt: Preparing for Independent Legal Advice
The merchant cash advance is represented as a purchase of future business receipts, not a loan. The business owner will usually see the funder…
DE Delancey Editorial

WHEN

October 7, 2026
When Does an Illinois Business Need an Independent MCA Lawyer in 2026?
A merchant cash advance (MCA) is an agreement whereby a business receives funds in advance in exchange for the right to collect a percentage…
DE Delancey Editorial

WHEN

October 7, 2026
When Does an Idaho Business Need an Independent MCA Lawyer in 2026?
Contracts Signed by an Idaho Business Since an MCA is usually a “purchase of receivables,” as opposed to a loan, the funder will collect…
DE Delancey Editorial

DELAWARE

October 7, 2026
Delaware MCA Debt: Preparing for Independent Legal Advice
Typical merchant cash advances are structured as a purchase of a percent of future receivables, with payment by daily or weekly debit to the…
DE Delancey Editorial

WHEN

October 7, 2026
When Does an Alabama Business Need an Independent MCA Lawyer in 2026?
A merchant cash advance is pitched as the purchase of a business’s future receivables, instead of a loan. A merchant cash advance funder typically…
DE Delancey Editorial
1 … 113 114 115 … 126
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.
Free Consultation

Get Help With Your Debt.

Tell us about your situation. Same-day callback. Confidential. No commitment. A senior advisor will give you a realistic plan on the call, not a sales pitch.

100% confidential
Same-day callback
Call Now Get Free Help