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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 · June 25, 2026 · 5 min read

Should I take another MCA to cover my current one?

Short version: no. The slightly longer version is no, and let me show you the math so you stop asking yourself the question. We’re going to stay focused here. Everybody writes the “10 things to know…

MS
Max Soni
Delancey Team
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MCA

June 25, 2026
MCA Reconciliation Clauses: Questions to Discuss With Your Funder and Counsel
You signed an MCA. The daily ACH is eating you your business bank account ever day, $400, $600, whatever it is, and revenue is…
MS Max Soni

CAN

June 24, 2026
Can I lower my daily/weekly MCA payment without defaulting?
Short answer: it’s often possible, but not the way most people try to do it. The reason this question gets asked wrong is that…
MS Max Soni

YOU

June 24, 2026
You can’t make your MCA payment this week
First thing – slow down. Before you pick up the phone to “explain your situation” to your MCA lender, understand who’s on the other…
MS Max Soni

MCA

Legal
June 24, 2026
MCA Payments Becoming Difficult: Options to Discuss Before Default
If the daily withdrawals from your merchant cash advance are draining your account, you still have options, but the window is small. Before you…
MS Max Soni

CAN

June 24, 2026
Can an MCA company actually freeze your business bank account?
Welcome to Delancey Street. This article is about educating business owners like yourself, whether an MCA company can actually freeze your bank account. Many…
MS Max Soni

WHAT

Legal
June 24, 2026
What happens when you miss an MCA payment
Welcome to Delancey Street. The objective of this article is to help business owners like yourself, who are on Google, and need help understanding…
MS Max Soni

MCA

Legal
June 24, 2026
MCA Debt Relief: Understanding the Different Options
Welcome to Delancey Street. If you’re reading this article, then you’re probably in a predicament: you’ve probably got a daily ACH draining your account…
MS Max Soni

HOW

Cash Flow
June 24, 2026
How to restructure MCA debt
This article is to help you answer the question: how to restructure MCA debt. We see the same panicked calls every day. Clients taking…
MS Max Soni

BEST

Legal
May 17, 2026
Best Business Debt Settlement Companies 2026
Welcome to Delancey Street. This article is geared towards helping business owners understand Business Debt Settlement and Relief. This is the ultimate guide, for…
MS Max Soni
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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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