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

Press & coverage

Forbes, American Banker, Newsday, Oracle, NY Daily News, what publications are saying about Delancey and business debt.

Explore
Debt Relief Blog

Articles & analysis

Long-form essays on MCA defaults, COJs, UCC liens, SBA workouts, and the evolving legal landscape.

Explore
Debt Relief Insights

FAQ & guides

Quick answers to the questions business owners ask us most. Bookmark and share.

Explore
Debt Relief Videos

Watch & learn

Video explainers, client stories, and team interviews. Five-minute primers on complex topics.

Explore
In the Media

What they're saying

Featured
Featured · October 28, 2026 · 7 min read

What COVID-19 loans and grants were offered in California?

Small businesses faced particular risks and uncertainties due to COVID-19. This article describes relief programs offered early in the pandemic; availability and rules have since changed. With margins often thin, small businesses are at significant risk.…

DE
Delancey Editorial
Delancey Team
Read article

HOW

October 28, 2026
How do you request a subordination or assumption on an SBA EIDL loan?
It is essential for borrowers, their financial consultants, and lenders to understand the servicing of the Small Business Administration (SBA) Economic Injury Disaster Loan…
DE Delancey Editorial

WHAT

October 28, 2026
What happens if my business defaults on an EIDL loan?
Economic Injury Disaster Loans and Grants (EIDL) were funds provided to small businesses by the U.S. Small Business Administration (SBA) during the COVID-19 pandemic.…
DE Delancey Editorial

HOW

October 28, 2026
How do I get an SBA loan to start a new business?
Entrepreneurs who find themselves hitting brick walls with regular banks may try the Small Business Administration. SBA loans are available for new and established…
DE Delancey Editorial

WHAT

October 28, 2026
What happens to my SBA loan application or payments during a government shutdown?
The government shut down on Oct. 1, when Congress failed to agree on funding. The Small Business Administration has halted its main loan program,…
DE Delancey Editorial

HOW

October 28, 2026
How do I prepare a successful SBA loan application?
Small businesses turn to SBA loans to fuel growth and stay competitive. They can help with everything from launching a business to financing operating…
DE Delancey Editorial

HOW

October 28, 2026
How do I get the SBA to release an EIDL lien to sell business assets?
Old EIDL Liens The CARES Act made pandemic-devastated companies eligible for Economic Injury Disaster Loans, which could have terms as long as 30 years.…
DE Delancey Editorial

WHAT

October 28, 2026
What happens if my business defaults on an SBA loan?
You took out a loan backed by the Small Business Administration (SBA), fully intending to pay it back. But now the economy has turned…
DE Delancey Editorial

WHAT

October 28, 2026
What are my options besides selling a distressed commercial property I can’t pay?
Over the past six months or so, “distressed asset” has become the Lord Voldemort of commercial real estate, that name no one dare speak.…
DE Delancey Editorial

WHAT

October 28, 2026
What should my business do when a lender says to pay them instead of our vendor?
A small business receives a plain first-class letter from an unknown collection company, demanding that the business pay it, not its vendor, for the…
DE Delancey Editorial
1 … 38 39 40 … 132
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

By submitting you agree we may contact you about your inquiry by phone, text, or email. Message and data rates may apply. Consent is not a condition of purchase.

Call Now Get Free Help