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Featured
Featured · October 8, 2026 · 5 min read

Should I Restructure Business Debt Privately or File Chapter 11 in 2026?

Every distressed company gets there differently. Maybe a big customer stopped paying, maybe a loan came due at the wrong moment, maybe all of the above. But however the distress came about, it means it is…

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Delancey Editorial
Delancey Team
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WHAT

October 8, 2026
What Can I Do If My MCA Funder Won’t Adjust My Daily Payments in 2026?
If sales take a tumble, you can ask your MCA funder to reconcile the fixed daily remittances back to your now lower receivables. Some…
DE Delancey Editorial

HOW

October 8, 2026
How Do I Negotiate When My MCA Lender Refuses to Lower Payments in 2026?
It can be scary trying to deal with an MCA lender who refuses to lower your payments. And justifiably so! Your cash flow is…
DE Delancey Editorial

WHAT

October 8, 2026
What Can I Do With Five Stacked Merchant Cash Advances in 2026?
Stacking is taking a second merchant cash advance to make the payments on the first. Then a third, and so on. By the time…
DE Delancey Editorial

I

October 8, 2026
I Have Three Merchant Cash Advances, What Are My Options in 2026?
If your struggling business can’t get a normal bank loan, you can get a merchant cash advance to survive. When you get the funding…
DE Delancey Editorial

WHY

October 8, 2026
Why Are My Merchant Cash Advance Debits Causing Overdrafts in 2026?
Are you currently facing a situation where your bank account is being completely depleted because of daily debits and your business is losing money?…
DE Delancey Editorial

WHAT

October 8, 2026
What Can I Do If I Regret Taking a Merchant Cash Advance in 2026?
If you took a Merchant Cash Advance, and you regret it, you are not alone. When we speak to our clients who have multiple…
DE Delancey Editorial

WHY

October 8, 2026
Why Is My Merchant Cash Advance Hurting My Business in 2026?
When business owners are desperate for cash, it can seem like a great idea to get a MCA. Many see them as the fast…
DE Delancey Editorial

WHAT

October 8, 2026
What Are the Best Ways to Get Out of Merchant Cash Advance Debt in 2026?
Six Strategies for Getting Your Business Back on Your Feet When your small business was struggling and you needed a big influx of cash,…
DE Delancey Editorial

HOW

October 8, 2026
How Does Merchant Cash Advance Debt Relief Work in 2026?
Just like people, businesses can go through periods of cash crunches, especially at certain times of year. If banks won’t come to the rescue,…
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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