Here's Who We Are

We're Fund Virtually Everything

We fund business owners nationwide, regardless of industry, credit, or time in business. We fund it all.

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We Provide Multiple Options

We have a lot of different financing options available to our clients. Regardless of your situation, we’ll have a solution for you.

Fast Approval

Our application process is completely online. You can get funds in your bank account in literally 24 hours.

The Working Capital You Need In 24 Hours.

We get you funding. It's that simple. Regardless of credit, income, or time in business - we'll fund you.


Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.


Receive application approval in as little as 24 hours. There is no credit check required.

Receive Funds

Review and return your signed agreement and get your money in as little as 24 hours.

Recent Business Loans Funded

100K Term Loan

Ambulance Service

Our client bought a new ambulance.
2019 - June
55K Advance

Truck Funded

Our client used the funds to hire new team members.
2019 - February
85K Term Loan

Restaurant Funded

Our client used the funds for restaurant equipment.
2019 - May

Get a Decision in as Little As 30 Seconds

We’re Fast. We Help Regardless of Credit. WE HAVE A SOLUTION FOR YOU.

Apply Online

We have a completely online application process, which is simple and easy.

Get Offers

We'll match you with the best loan offers we have that are financially responsible.

Get Funded Quickly

We'll fund you the same day you accept our offer.

How Delancey Street Works

Fill Out Our Application

Answer basic questions about yourself and fill out our entirely online application. Each loan has its own online process.

Meet Your Concierge

We'll pair you with an experienced Delancey Street specialist who will reach out to you, and understand your needs. We'll try to determine which financial product is right for you.

Compare Our Loan Offers

We give you a few different loan offers based on your scenario and what options you qualify for.

Choose Your Loan

Once you've chosen a loan that works for you, we finalize it and start getting the documents needed.

Get Funded

Once we get all of the documents back, we'll get you funded ASAP.

We Help You Grow

After you get funded, your Delancey Street concierge specialist will keep in touch to make sure you're happy and doing well.

Business Loans

Get business loans ranging from 3 months to 18 months
No credit score requirement, we have a program for everyone
We can fund up to $5 million in virtually 24 hours

Louisville Business Debt Relief and Debt Settlement Lawyers


Running a business is hard work. There are so many things to manage – employees, inventory, suppliers, customers, marketing, finances, and more. It’s easy for business finances to get out of control, especially with high operating costs, slow revenue, and unexpected expenses. If your Louisville business is struggling with overwhelming debt, you are not alone. Many businesses have found themselves in financial distress over the past few years. The good news is that you have options to find relief. There are Louisville law firms that specialize in helping businesses resolve debt and get back on stable financial ground.

How Debt Relief Lawyers Can Help Your Business

Business debt relief lawyers have extensive experience helping companies restructure and reduce debt through negotiation and legal strategies. Here are some of the ways they can help:

  • Debt consolidation and restructuring: The lawyers will work with your creditors to consolidate multiple debts into one manageable payment plan. This can reduce monthly payments and interest rates.
  • Interest rate reductions: Attorneys will negotiate with creditors to reduce interest rates on business loans and lines of credit to lower monthly payments.
  • Principal reductions: Creditors may agree to lower the total amount owed if the lawyers can show them it’s unlikely to ever be fully repaid. This directly reduces the debt burden.
  • Extended repayment terms: Getting more time to repay debts helps cash flow and allows a business to get back on its feet. Lawyers can negotiate this.
  • Late fee waivers: Creditors might waive late fees and penalties to help a struggling business.
  • Settlements: In some cases, lenders will agree to settle debt for less than the full amount owed. This can wipe out debt at a fraction of the balance.
  • Bankruptcy: As a last resort, Chapter 7 or Chapter 11 bankruptcy may be an option to eliminate qualified business debt.

The key is finding an experienced business debt relief law firm familiar with creditor negotiations and debt reduction strategies. They will analyze the situation and use their expertise to come up with the optimal solutions.

What to Look for in a Business Debt Relief Lawyer

Not all lawyers have the right skills and track record to effectively assist a business with debt relief. Here are some things to look for:

  • Specialization in business debt relief: Search for lawyers focused specifically on business debt relief, restructuring and bankruptcy. Avoid general practitioners.
  • Successful track record: Look for firms that can demonstrate a proven history of negotiating debt relief for businesses through settlements, restructuring, and other strategies.
  • Industry experience: Find lawyers familiar with your particular industry and the financial challenges it faces.
  • Cost-effective services: The best firms work to resolve debt in a cost-effective manner and offer flexible or low-cost consultations. Avoid firms that pressure expensive solutions.
  • Responsive service: You need lawyers who are accessible, move quickly and keep you informed every step of the way.
  • Empathy: The best attorneys actually care about their clients. They understand the stress of dealing with overwhelming business debt and make it a priority to find solutions.

Debt Settlement vs. Debt Negotiation

Two common approaches that business debt relief lawyers use are debt settlement and debt negotiation:Debt Settlement

  • Settlements allow debt elimination at a fraction of what is owed.
  • Creditors agree to settle for less after lawyers demonstrate inability to pay in full.
  • Often requires lump sum payment to settle, which can be challenging.
  • Settled debt may be taxable.

Debt Negotiation

  • Lawyers work with creditors to restructure and reduce debt through negotiation.
  • Allows customized solutions like interest rate reductions, extended terms, principal reductions etc.
  • More flexibility in repayment plans, often simply rolling settled debt into new terms.
  • Generally no tax consequences.

In many cases, a combination of debt settlement and negotiation strategies produce the best results. An experienced business debt relief law firm will know how and when to effectively employ these tactics.

What Debt Relief Options Are Available?

Business debt relief lawyers have many different tools at their disposal to restructure, reduce and eliminate business debt. Here are some of the most common options:

  • Creditor negotiation – Working directly with creditors to negotiate principal reductions, better interest rates, extended repayment terms and late fee waivers. This requires legal expertise and leverage.
  • Consolidation loans – Taking out new loans to pay off multiple debts and consolidate into one monthly payment. This can reduce monthly payments through lower interest rates.
  • Working capital loans – Borrowing new money to pay ongoing business expenses while repaying debt over time. This helps struggling businesses avoid closure.
  • Debt refinancing – Paying off existing debts with new debt that has better terms, typically lower monthly payments or interest rates.
  • Business debt settlement – Creditors agree to settle debt for lump sum payments that may be 30-50% of the total owed. This eliminates debt.
  • Chapter 11 Bankruptcy – Businesses can file Chapter 11 to restructure debt under court supervision while continuing operations.
  • Chapter 7 Bankruptcy – Chapter 7 liquidates eligible assets to pay creditors and discharges remaining qualified business debt. The business closes.

The best approach depends on each company’s unique situation. An experienced Louisville business debt relief lawyer will objectively assess all options to formulate the optimal debt reduction strategies.

Beware of Debt Relief Scams Targeting Businesses

Unfortunately, there are many unscrupulous operators looking to take advantage of businesses struggling with high debt. Beware of the following “red flags” when seeking help:

  • Pressure to pay large upfront fees – Legitimate lawyers typically offer free consultations and reasonable fees paid over time from debt savings.
  • Overpromising results – No debt relief firm can guarantee outcomes. Beware of claims that all your debt will be eliminated quickly and easily.
  • Requesting you stop paying creditors – Debt relief scams often advise businesses to default on debts, ruining creditworthiness. Legitimate lawyers use default judiciously.
  • No customization – Each business’s situation is unique. Beware of “one-size-fits-all” approaches unable to tailor solutions.
  • Lack of transparency – Debt relief scams tend to hide fees, provide little documentation and avoid answering questions clearly.
  • High-pressure sales tactics – Run from any firm pushing immediate decisions before fully understanding your business and situation.

Protect yourself by doing due diligence on any debt relief company you engage. Check credentials, read reviews and ask plenty of questions. Get promises in writing. The Federal Trade Commission provides helpful guidance on avoiding debt relief scams.

How Much Do Business Debt Relief Lawyers Cost?

The cost for business debt relief legal services depends on the complexity of the situation and options used, but often runs $5,000 to $20,000 on average. There are several fee structures:

  • Flat fee – Some firms charge a fixed overall fee for defined services.
  • Hourly rate – Attorneys bill an agreed hourly rate for time spent. Rates range $200-$500 per hour typically.
  • Monthly retainer – A monthly fee for ongoing services over a defined period of time.
  • Contingency fee – The law firm receives an agreed percentage of debt savings as their fee.

The best firms work transparently and offer flexible fee options. They are happy to provide quotes upfront so you know what to expect. Beware of firms vague about their fees. Get fee agreements in writing before proceeding. The initial consultation should be free.

Finding the Right Louisville Business Debt Relief Lawyer for You

If your Louisville business is struggling under high debt burdens, the time to act is now. The longer you wait, the worse the situation gets. An experienced Louisville business debt relief attorney can assess your situation and rapidly develop a plan to reduce, restructure and resolve debt. This will stop creditor harassment and collection efforts and allow you to focus on turning business operations around.Here are some of the top rated Louisville business debt relief law firms to consider:

During your initial consultation, be upfront about your business’ current financial situation and debt obligations. Ask plenty of questions and make sure you understand what services will be provided, what results can realistically be expected, what the fees will be, and when you will start to see progress. Get fee agreements in writing before moving forward.With the help of an experienced Louisville business debt relief law firm, you can resolve debt, avoid business failure and get your company back on track. Don’t wait – seek help today.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

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