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

Sba Has A Lien On My Home If I Default Will I Lose My Home


SBA Has a Lien on My Home – Will I Lose My House if I Default?

Having an SBA loan go into default is stressful enough. Discovering the SBA holds a lien against your house can be terrifying. Many business owners worry defaulting on the SBA debt puts their home directly at risk.

In reality, the risks depend on the specifics of your situation. SBA lien processes follow clear procedures that aim to protect borrowers. Understanding the rules and your options is critical.

At Solve Debt Relief, we have extensive experience advising business owners on SBA loan defaults. We can help protect your assets while resolving debts through the optimal strategies.

How SBA Loan Liens Work

With most SBA loans, the agency requires collateral to secure the debt. For real estate-backed loans, this often involves placing a lien against the borrower’s home or other property.

A lien gives the SBA legal claim to the asset if the loan goes unpaid. However, there is a clear process before the agency can actually foreclose.

Key Facts About SBA Liens

  • SBA liens allow the government to take assets if a loan defaults.
  • Borrowers get multiple notices and chances to resolve debts before foreclosure.
  • The SBA must follow federal and state laws governing collections and foreclosures.
  • Loan discharge through bankruptcy may satisfy the debt and remove liens.
  • The SBA has discretion on compromising debts and may release liens.

Facing foreclosure is a last resort. SBA borrowers have opportunities to satisfy debts before the agency takes such severe actions.

SBA Loan Default and Collections Process

When SBA-guaranteed loans become delinquent, the agency does not immediately seize assets. There is an order of operations they generally follow:

  1. Initial Default Notice – After missing payments, the SBA sends a loan default notice giving a chance to resolve the debt.
  2. Demand Letter – If nonpayment continues, the SBA issues a demand for payment letter again requesting resolution.
  3. Accelerated Maturity – With ongoing default, the SBA calls the full loan balance due immediately.
  4. Collection Litigation – The SBA may sue in federal court for repayment if the default persists.
  5. Foreclosure Referral – Only after other efforts fail does the SBA finally refer matters to the Department of Justice to initiate foreclosure.

This structured process aims to collect debts through repayment plans or other resolution before pursuing foreclosure. But at each step, experienced legal advice is critical.

Foreclosure Process on SBA-Collateralized Assets

If the SBA ultimately refers a loan for foreclosure, there is still a lengthy legal process. Key steps include:

  1. Service of Process – The government must properly serve you with notice of the foreclosure lawsuit.
  2. Right of Redemption – Most states give borrowers a redemption period to satisfy the debt and stop foreclosure.
  3. Judicial Review – Courts scrutinize the validity of the SBA’s foreclosure case and compliance with relevant laws.
  4. Auction Sale – A public foreclosure auction must be held, with potential opportunities to halt the sale.
  5. Eviction – If the foreclosure completes, state laws govern the process and timing for evicting former homeowners.

The SBA cannot quickly or easily claim collateral like a house without going through lengthy court proceedings. There are multiple opportunities to assert defenses or negotiate alternative repayment arrangements.

Strategies for Avoiding SBA Foreclosure

Defaulting on an SBA loan is not an automatic fast track to losing your home or other assets. Smart legal strategies can help protect your property and achieve optimal resolutions such as:

  • Loan Modification – The SBA may agree to revise loan terms to make payments affordable.
  • Hardship Programs – Certain SBA assistance programs support borrowers facing economic hardship.
  • Debt Restructuring – Negotiating a repayment plan may satisfy the SBA’s debt claim without forfeiting collateral.
  • Loan Discharge – Bankruptcy can legally eliminate personal liability for business debts including SBA loans.

With seasoned guidance from business debt experts, many options exist for protecting your assets even after an SBA loan default.

Proactive Legal Defense Against SBA Foreclosure

Timely, proactive legal defense makes all the difference when dealing with SBA loan defaults. At the first signs of trouble, key steps include:

  • Reviewing loan documents to understand the SBA’s rights as a lienholder
  • Checking if the SBA properly perfected the lien according to state laws
  • Demanding validation of the exact default amount and repayment terms
  • Disputing any improper penalties, fees, or interest
  • Freezing assets against creditors through exemption planning

An experienced business debt attorney can audit the situation and identify opportunities. The SBA has options besides foreclosure, but knowledgeable negotiation is imperative.

Resolve SBA Debt Without Losing Your House

The bottom line – an SBA lien does not have to result in losing your home or other collateral. Targeted legal strategies can satisfy debts through optimal paths such as restructuring, bankruptcy discharge, or settlement.

At Solve Debt Relief, our attorneys have helped countless business owners protect assets from the SBA. We aim to resolve debts expediently without forfeiting collateral. Contact us today to discuss your situation in a free consultation.

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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