Unwind Debt.
Unlock Growth.
Unwind Debt.
Unlock Growth.
Unwind Debt.
Unlock Growth.
Unwind Debt.
Unlock Growth.
Break free from Merchant Cash Advance debt cycles with strategic relief from attorneys and industry experts who know both sides of the table.
Over $100m in Debt Settled
OUR DEBT FREE CLIENTS HAVE SPOKEN
Tyler Wilson
CEO, IT Company
Samantha Cooper
CFO, Event Management Company
They didn’t sugarcoat it which I liked. Overall, they were kind, professional and easy to work with. Most of all, they got the job done. Idk what they did, but the phone calls stopped and my cash flow was so much more manageable.
Craig Donnelly
Founder, General Conractor
Tyler Wilson
Samantha Cooper
Craig Donnelly
They didn’t sugarcoat it which I liked. Overall, they were kind, professional and easy to work with. Most of all, they got the the job done. Idk what they did, but the phone calls stopped and my cash flow was so much more manageable.
YEARS
EXPERIENCE
LAWYERS
WORKING FOR YOU
SETTLED
DEBT CASES
MILLION+
IN DEBT SETTLED
PROVEN TRACK RECORD
We are a vetted, proven team of lawyers and debt relief professionals you can count on!
Delancey Street is a debt relief partner for real businesses with real struggles—offering smart, strategic debt resolution rooted in industry experience, legal precision, and unwavering transparency.
We’re not here to judge – we’re here to clear a path.
As a company founded and managed by prominent attorneys and former debt industry insiders, we combine credibility with empathy to help businesses restructure, rebuild, and grow the right way.
Real People. Real Success.
Construction Company
New York, NY
42%
Savings
TOTAL Debt
$425,000
WEEKLY PAYMENT
$2,125
DURATION
6 mo.
TOTAL SAVINGS
$178,500
Retail Chain Operator
Brooklyn, NY
45%
Savings
TOTAL Debt
$520,000
WEEKLY PAYMENT
$1,960
DURATION
7 mo.
TOTAL SAVINGS
$234,000
Auto Dealership
Queens, NY
40%
Savings
TOTAL Debt
$890,000
WEEKLY PAYMENT
$3,512
DURATION
5 mo.
monthly savings
$18,000
Real People.
Real Success.
Construction Company
New York, NY
42%
Savings
TOTAL Debt
$425,000
WEEKLY PAYMENT
$2,125
DURATION
6 mo.
TOTAL SAVINGS
$178,500
Retail Chain Operator
Brooklyn, NY
45%
Savings
TOTAL Debt
$520,000
WEEKLY PAYMENT
$1,960
DURATION
7 mo.
TOTAL SAVINGS
$234,000
Auto Dealership
Queens, NY
40%
Savings
TOTAL Debt
$890,000
WEEKLY PAYMENT
$3,512
DURATION
5 mo.
TOTAL SAVINGS
$18,000
GET STARTED
GET FREE OF DEBT
HOW IT WORKS
A Clear, Professional
Path Out of Debt
No vague promises. No cookie-cutter solutions. Just a proven process designed by experts who understand both sides of commercial lending.
Start your Delancey program today to be
Debt-free in 6-18 months.
DEDICATED PROFESSIONALS
Our team of experts provides a confidential review of your situation and develops a tailored plan no pressure, just honest guidance.
DEDICATED PROFESSIONALS
Our team of experts provides a confidential review of your situation and develops a tailored plan no pressure, just honest guidance.
STRATEGIC ANALYSIS
Deep dive into your debts, contracts, and legal position. We identify leverage points and negotiation opportunities.
STRATEGIC ANALYSIS
Deep dive into your debts, contracts, and legal position. We identify leverage points and negotiation opportunities.
EXPERT DEBT NEGOTIATIONS
Our attorneys and former industry insiders supervise all negotiations with creditors, leveraging proven strategies and deep industry experience.
EXPERT DEBT NEGOTIATIONS
Our attorneys and former industry insiders supervise all negotiations with creditors, leveraging proven strategies and deep industry experience.
BUSINESS RECOVERY
We guide you through the recovery process with expert oversight, restoring stability and helping your business rebuild stronger.
BUSINESS RECOVERY
We guide you through the recovery process with expert oversight, restoring stability and helping your business rebuild stronger.
HOW IT WORKS
A Clear, Professional
Path Out of Debt
No vague promises. No cookie-cutter solutions. Just a proven process designed by experts who understand both sides of commercial lending.
Start your Delancey program today to be
Debt-free in 6-18 months.
FREE CONSULTATION
Confidential review of your debt situation with licensed professionals. No pressure, just honest assessment.
FREE CONSULTATION
Confidential review of your debt situation with licensed professionals. No pressure, just honest assessment.
STRATEGIC ANALYSIS
Deep dive into your debts, contracts, and legal position. We identify leverage points and negotiation opportunities.
STRATEGIC ANALYSIS
Deep dive into your debts, contracts, and legal position. We identify leverage points and negotiation opportunities.
EXPERT DEBT NEGOTIATIONS
Our attorneys and former industry insiders negotiate directly with creditors using proven strategies.
EXPERT DEBT NEGOTIATIONS
Our attorneys and former industry insiders negotiate directly with creditors using proven strategies.
BUSINESS RECOVERY
Confidential review of your debt situation with licensed professionals. No pressure, just honest assessment.
BUSINESS RECOVERY
Confidential review of your debt situation with licensed professionals. No pressure, just honest assessment.
the delancey difference
Founded by prominent attorneys and merchant cash advance industry experts – we have proven strategies and solutions to get you out of debt and get you on the way to growth.
PROVEN EXPERTISE IN MERCHANT CASH ADVANCE DEBT RELIEF
FOUNDED & MANGED BY ATTORNEYS & SEASONED DEBT INDUSTRY EXPERTS
DEBT RELIEF TAILORED FOR YOUR BUSINESS, EXECUTED BY OUR EXPERTS
DEDICATED SUPPORT FROM START AND ALL THE WAY TO YOUR DEBT-FREE FUTURE
MEET OUR LEADERSHIP
Behind every Delancey Street strategy is a real expert with real credentials — not a call center script. Our team includes attorneys, negotiators, and debt industry veterans who’ve been on both sides of the table. Click through to meet the people who will personally handle your case, advocate for your business, and work relentlessly to get you the results you deserve.
Vinay Metharamani
Chief Executive Officer &
Co-Founder
Steven M. Raiser, Esq.
Founding Partner &
Chief Legal Officer
Colton Schnall
Chief Operating Officer &
Co-Founder
READY TO BEAT YOUR BAD DEBT?
We’ve helped over 1000+ businesses just like yours get out of bad debt
#delanceygotyou
READY TO BEAT YOUR BAD DEBT?
We’ve helped over 160 businesses just like yours get out of bad debt
#delanceygotyou
WE'RE IN OUR OWN CLASS
NAVIGATE
OUT OF DEBT.
START YOUR DEBT
RELIEF JOURNEY
WITH DELANCEY
START YOUR DEBT RELIEF JOURNEY WITH DELANCEY
FREE CONSULTATION
PROTECT YOUR BUSINESS. BREAK FREE FROM DEBT. GROW ON YOUR TERMS.
NAVIGATE
OUT OF DEBT.
START YOUR DEBT
RELIEF JOURNEY
WITH DELANCEY
START YOUR DEBT RELIEF JOURNEY WITH DELANCEY
FREE CONSULTATION
PROTECT YOUR BUSINESS. BREAK FREE FROM DEBT. GROW ON YOUR TERMS.
NAVIGATE
OUT OF DEBT.
START YOUR DEBT
RELIEF JOURNEY
WITH DELANCEY
FREE CONSULTATION
PROTECT YOUR BUSINESS. BREAK FREE FROM DEBT. GROW ON YOUR TERMS.
PROTECT YOUR BUSINESS.
BREAK FREE FROM DEBT.
GROW ON YOUR TERMS.
NAVIGATE
OUT OF DEBT.
START YOUR DEBT
RELIEF JOURNEY
WITH DELANCEY
FREE CONSULTATION
PROTECT YOUR BUSINESS. BREAK FREE FROM DEBT. GROW ON YOUR TERMS.
NAVIGATE
OUT OF DEBT.
START YOUR DEBT
RELIEF JOURNEY
WITH DELANCEY
FREE CONSULTATION
PROTECT YOUR BUSINESS. BREAK FREE FROM DEBT. GROW ON YOUR TERMS.
WE ARE TRUSTED
VOICES IN DEBT
MANAGEMENT
STRATEGY
Delancey Street isn’t just solving debt problems — we’re shaping the conversation around them. Our founders and expert advisors are regularly featured in national media, invited to speak at industry events, and brought into boardrooms by major corporations seeking insight on complex debt, financial risk, and restructuring strategy.
From navigating high-stakes merchant cash advances to protecting business reputation during a downturn, our team’s rare perspective — having operated on both sides of the lending table — makes us a trusted authority in moments that matter. When businesses or journalists need clarity on the evolving debt landscape, they call Delancey.
WE ARE TRUSTED VOICES IN DEBT MANAGEMENT STRATEGY
Delancey Street isn’t just solving debt problems — we’re shaping the conversation around them. Our founders and expert advisors are regularly featured in national media, invited to speak at industry events, and brought into boardrooms by major corporations seeking insight on complex debt, financial risk, and restructuring strategy.
From navigating high-stakes merchant cash advances to protecting business reputation during a downturn, our team’s rare perspective — having operated on both sides of the lending table — makes us a trusted authority in moments that matter. When businesses or journalists need clarity on the evolving debt landscape, they call Delancey
Real Experts.
Real Soutions.
Real Results.
We’re not a call center. We’re your team — with the pedigree, deep experience, and proven strategies to protect the future of your business.
We were referred to Delancey by Google, we found them to be super helpful and informative. They helped us restructure 5 different merchant cash advances into a monthly payment.
Real Experts.
Real Soutions.
Real Results.
We’re not a call center. We’re your team — with the pedigree, deep experience, and proven strategies to protect the future of your business.
“We were referred to Delancey by Google, we found them to be super helpful and informative. They helped us restructure 5 different merchant cash advances into a monthly payment.”
YEARS
EXPERIENCE
LAWYERS
WORKING FOR YOU
SETTLED
DEBT CASES
MILLION+
IN DEBT SETTLED
We are...
A debt relief partner for real
businesses with real struggles
A debt relief partner for real businesses with real struggles
Delancey Street is a debt relief partner for real businesses with real struggles—offering smart, strategic debt resolution rooted in industry experience, legal precision, and unwavering transparency
We’re not here to judge - we’re here to clear a path.
As a company founded and managed by prominent attorneys and former debt industry insiders, we combine credibility with empathy to help businesses restructure, rebuild, and grow the right way.
LET’S CLEAR YOUR DEBT
AS QUICK AS 6 MONTHS
LET’S CLEAR YOUR DEBT AS QUICK AS 6 MONTHS
WE’VE SETTELED OVER $100 MILLION
FOR 100s OF BUSINESS OWNERS, AND COUNTING...
WE DELIVER SOLUTIONS FOR MCA DEBT
We have a full spectrum solution for dealing with complicated MCA debt.
IMMEDIATE
RELIEF
Our first priority is ensuring your business operations continue smoothly while we work towards completely eliminating your debt.
CUSTOM PAYMENTS
We design our payment program to strike the perfect balance between your financial capacity and the urgency to clear your debts.
FULL LEGAL PROTECTION
Upon enrollment, we provide robust legal resources, enabling you to focus on delivering value to your clients and expanding your business.
DEBT FREE IN
6-18 MONTHS
Upon enrollment, we provide robust legal resources, enabling you to focus on delivering value to your clients and expanding your business.
EXAMPLES OF CUSTOMER RESULTS
Every case here starts with pressure and ends with control. We restructure merchant cash advances, cut payments to sustainable levels, protect working capital, and restore confidence with transparent terms. These snapshots highlight the numbers, the timelines, and the playbook that helped each business move from crisis to predictable growth.
CASE STUDY
OnDeck Loan Restructuring
Challenge: Weekly payments impacting payroll capability
Original Debt
$55K+
Savings
60%
Timeline
6mo.
Results
- Transformed to monthly payment structure
- Extended terms by 2 years
- Maintained business credit standing
- Payment Reduction: 60% lower monthly obligation
CASE STUDY
Medical Practice Equipment Debt Crisis
Challenge: COVID-19 revenue drop, lessors threatening repossession
Original Debt
$340K
Savings
48%
Timeline
6mo.
Results
- Prevented equipment repossession through legal intervention
- Restructured equipment leases to align with patient volume
- Settled MCAs at 48% of balance
- Total Savings: $163,200
- Practice Status: Fully operational, hired back 3 staff members
CASE STUDY
Retail Chain Vendor Debt Consolidation
Challenge: 15+ different creditors, facing multiple lawsuits
Original Debt
$520K
Savings
45%
Timeline
6mo.
Results
- Defended against 5 confession of judgment actions
- Consolidated all debt into single facility
- Negotiated 45% average reduction
- Total Savings: $234,000
- Locations Saved: All 4 locations remained operational
CASE STUDY
Franchise Owner Multi-Unit Rescue
Challenge: Franchisor threatening license termination
Original Debt
$380K
Savings
52%
Timeline
6mo.
Results
- Prevented franchise license termination
- Restructured franchise fees and royalties
- Settled working capital loans at 52% of balance
- Total Savings: $197,600
- Franchise Status: All 3 units operational and profitable
We Know Debt
Proven Debt
Relief Strategies
Real World
Results
Articles, news, and interviews on business debt relief and Merchant Cash Advance restructuring. Insights for business owners and operators – explore evidence-based strategies and real world results delivered for businesses just like yours.
SETTLED
DEBT CASES
WE ARE TRUSTED
VOICES IN DEBT
MANAGEMENT
STRATEGY
Delancey Street isn’t just solving debt problems — we’re shaping the conversation around them. Our founders and expert advisors are regularly featured in national media, invited to speak at industry events, and brought into boardrooms by major corporations seeking insight on complex debt, financial risk, and restructuring strategy.
From navigating high-stakes merchant cash advances to protecting business reputation during a downturn, our team’s rare perspective — having operated on both sides of the lending table — makes us a trusted authority in moments that matter. When businesses or journalists need clarity on the evolving debt landscape, they call Delancey.
WE ARE TRUSTED VOICES IN DEBT MANAGEMENT STRATEGY
Delancey Street isn’t just solving debt problems — we’re shaping the conversation around them. Our founders and expert advisors are regularly featured in national media, invited to speak at industry events, and brought into boardrooms by major corporations seeking insight on complex debt, financial risk, and restructuring strategy.
From navigating high-stakes merchant cash advances to protecting business reputation during a downturn, our team’s rare perspective — having operated on both sides of the lending table — makes us a trusted authority in moments that matter. When businesses or journalists need clarity on the evolving debt landscape, they call Delancey
Few Insights on Common Inquiries
Can you stop the daily/weekly ACH drafts right away?
Our team is available always to help you. Regardless of whether you need advice, or Monday – Friday 9 a.m. – 7:30 p.m. ET 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.
Can you prevent lawsuits, judgments, or UCC lien enforcement — and what if there’s a confession of judgment?
Our team is available always to help you. Regardless of whether you need advice, or Monday – Friday 9 a.m. – 7:30 p.m. ET 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.
How much can you realistically reduce my payment and total balance, and over what term?
Our team is available always to help you. Regardless of whether you need advice, or Monday – Friday 9 a.m. – 7:30 p.m. ET 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.
How long does a restructure or settlement take from intake to first reduced payment?
Our team is available always to help you. Regardless of whether you need advice, or Monday – Friday 9 a.m. – 7:30 p.m. ET 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.
What happens to my bank accounts, credit (business/personal), and any personal guarantees?
Our team is available always to help you. Regardless of whether you need advice, or Monday – Friday 9 a.m. – 7:30 p.m. ET 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.
Will you handle all funders (including stacked advances) and keep them from calling my customers or freezing receivables?
Our team is available always to help you. Regardless of whether you need advice, or Monday – Friday 9 a.m. – 7:30 p.m. ET 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.
What does this cost — fee structure, when fees are due, and what’s included (negotiations, legal coordination, monitoring)?
Our team is available always to help you. Regardless of whether you need advice, or Monday – Friday 9 a.m. – 7:30 p.m. ET 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.
What documents do you need from me to start (MCA agreements, bank statements, processor reports, AR/AP, tax returns, P&L)?
Our team is available always to help you. Regardless of whether you need advice, or Monday – Friday 9 a.m. – 7:30 p.m. ET 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.
Can I keep operating — processing cards, making payroll, paying critical vendors — while this is in motion?
Our team is available always to help you. Regardless of whether you need advice, or Monday – Friday 9 a.m. – 7:30 p.m. ET 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.
How do I avoid this again — post-restructure financing options, cash-flow controls, and credit rebuilding steps?
Our team is available always to help you. Regardless of whether you need advice, or Monday – Friday 9 a.m. – 7:30 p.m. ET 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.
Let’s Talk
Resolve Your Debt
on Your Terms
Our team is available always to help you. Regardless of whether you need advice, or Monday – Friday 9 a.m. – 7:30 p.m. ET 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.
- Monday-Friday: 9am - 7pm EST
- Saturday, Sunday: Closed
MAILING ADDRESS
- 104 W 40th Street,
- New York, NY 10018
READY TO BEAT YOUR BAD DEBT?
Get Started with a
Risk-Free Consultation
Get Started with a Risk-Free Consultation
SETTLED
DEBT CASES