End-to-end debt resolution for operating businesses
When you owe money on multiple fronts, MCAs, term loans, vendors, tax, we run a single coordinated workout. One team, one plan, one phone line. Your business keeps running while we negotiate.
Delancey Street is not a law firm. This information is for general educational purposes only and is not legal or financial advice. For advice about your specific situation, consult an independent attorney or qualified financial professional.
Most owners try to handle it alone
A typical distressed business has 5–8 creditors of different types, each with its own contract, its own collection cadence, its own leverage. Owners try to triage by who is yelling loudest.
That approach destroys cash and resolves nothing. The right approach is a single audit of every obligation, a creditor-by-creditor leverage map, and a sequence of moves designed to land all of it.
Business Debt Resolution is the flagship service: we own every creditor relationship until the engagement is closed.
Triage by the loudest vs. coordinated sweep
Same five creditors. Same owner. Two completely different outcomes depending on whether each call is handled in isolation or as part of a sequenced portfolio.
6 scenarios, opened up
01
Coordinate negotiations across MCAs, term loans, lines of credit, vendor debt, and tax obligations in one plan.
- 01Pull every contract, balance, status
- 02Rank creditors by leverage and urgency
- 03Open negotiations in priority sequence
- 04Close out with signed releases
02
Get a clear picture of cash flow fast and ask your most pressing creditors about revised terms, which require their agreement.
- 01Review your payments and cash flow
- 02Route renegotiation requests to top 3 creditors
- 03Map upcoming payments against expected receipts
- 04Reset 30-day runway
03
We review your business debt, discuss potential settlement options, and negotiate proposed terms with your funders.
- 01Get the full picture — We review your balances, payments, and cash flow.
- 02Build a realistic approach — We discuss settlement options around what your business can afford.
- 03Bring your funders to the table — We negotiate proposed terms, subject to each funder’s agreement.
- 04Keep you informed — You review each offer and decide whether to accept.
04
Negotiate releases on filings choking your AR, payment processors, and banking relationships.
- 01Audit every UCC-1 on the business
- 02Identify expired or improperly perfected filings
- 03Negotiate releases or terminations
- 04Restore processor / banking access
05
When the business is fundamentally healthy, restructure to a sustainable monthly outflow without bankruptcy.
- 01Document hardship and pro-forma cash flow
- 02Build creditor-by-creditor concession ask
- 03Submit modification packages in parallel
- 04Sign restructure agreements
06
When closure is the answer, structure the orderly exit so personal guarantees don't follow you.
- 01Inventory assets and PG exposure
- 02Coordinate vendor + lender close-outs
- 03Structure asset sale or assignment
- 04Release PGs as part of close
Most distressed businesses don't fail because the debt is too large, they fail because they negotiate one creditor at a time and lose the leverage that comes from running the whole portfolio in sequence.
From
same-day
intake
to
closeout
Timelines depend on your circumstances and funder responses. We explain the next steps and keep you informed as discussions progress.
30-min confidential call. We pull contracts, balances, and current status of each creditor.
We open communication with creditors on your behalf and discuss potential settlement terms. Any payment changes require their agreement.
Our team coordinates settlement communications with your creditors. We keep you informed as discussions progress.
If terms are agreed, we help organize the settlement documentation and any agreed follow-up items. Independent counsel handles legal filings or questions.
We keep you informed as settlement discussions progress.
Business Debt Resolution cases in 49 of the 50 states
Business debt resolution: get the numbers together
Start with the numbers
Put each balance, payment schedule, recent statement, and funder contact in one place. Then compare the scheduled payments with revenue and operating costs. We use that information to discuss a proposal your business may be able to support.
Ask for agreed terms
We discuss potential balance reductions or revised payment schedules with funders. A proposal is not an agreement, and a funder may decline it. Starting negotiations does not change your payment obligations. Missed payments can lead to default, fees, collections, and legal action.
Keep legal review separate
Delancey Street negotiates business debt. We do not interpret contracts, determine whether a debt or notice is enforceable, or select legal defenses. Independently retained counsel handles those questions and represents you directly.
Review the complete proposal
Compare the proposed payment amount, timing, total cost, and fees with your operating budget. Independent counsel can review legal terms, including releases and any court or lien documents. Any changes depend on the agreement reached with the funder.
If the numbers still do not work
A settlement proposal must be considered alongside the money available to fund it. If cash flow cannot support a proposal, independent counsel and a qualified financial professional can help assess other options. We do not recommend bankruptcy, closure, or changes to payment instructions.
Common questions
How is this different from your individual service lines?
Each service line (MCA, SBA, Vendor, etc.) handles one creditor type. Business Debt Resolution is the umbrella engagement when you have problems across multiple types and need them solved together. Same senior-advisor team, broader scope. When legal action is required for any creditor type, we coordinate with independent counsel from our referral network.
Will I have to file bankruptcy?
In the vast majority of our engagements, no. The point of debt resolution is to avoid Chapter 7/11 by reaching out-of-court settlements. We work alongside bankruptcy counsel only when it's genuinely the better tool, and we tell you that early.
Can my business keep operating?
Yes. Continuity is a primary design constraint. Settlements are structured around realistic monthly cash flow, vendor relationships are preserved where possible, and processor/banking exposure is actively managed.
How long does a full resolution take?
Most cases stabilize in the first 30 days, with full creditor resolution between 6–24 months depending on portfolio size and creditor mix. We give you a realistic timeline at the strategy stage, not a sales pitch.
What does it cost?
Our fee is a percentage of your total enrolled debt, quoted in writing before any work begins. The first consultation is free, and all engagement terms are documented up front.
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Talk to a strategist about your business debt resolution case
Free initial review. We look at your balances, payment schedules, and cash flow and discuss potential financial options. Independent counsel handles legal questions and deadlines.