The Delancey Blog

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In the Media

What they're saying

Featured
Cash Flow · June 24, 2026 · 6 min read

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 3-4 advances, stacked up, and now there’s an $8k coming out on…

MS
Max Soni
Delancey Team
Read article

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 We do not publish averages because publishing one would set an expectation we cannot honor for every business.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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