Still current, but cash flow is tight?
We review your balances, payment schedules, and operating needs and discuss potential terms with your funders. Independent counsel can explain legal questions.
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.
Cash flow changing? Start with the full picture.
You can discuss potential options while current on payments. We review your balances and cash flow and help organize discussions with your funders. Available options depend on your agreement, circumstances, and funder response. Starting the review does not change your obligations.
Optionality decay after first bounce
The defense playbook shrinks at every milestone after default. Most of it lives in the pre-default window.
Pre-default window holds 3× the playbook of post-default. Reconciliation, modification, refinance, all available. Most owners never call here.
Why an early conversation can help
Getting started gives us time to organize your financial information and discuss potential adjustments with your funders. Independent counsel can review legal questions. Our work focuses on financial proposals and communication.
Prepare for a useful conversation
- Gather agreements and payment schedules.
- Review cash flow.
- Discuss possible terms with funders.
- Review any proposed agreement.
Options and timing vary. Independent counsel can review legal notices and deadlines.
Understand the risks
Missed payments can lead to collection activity and legal action. Starting a discussion does not change payment obligations or pause legal deadlines. Any revised terms require funder agreement.
What we focus on
We review your balances and cash flow, discuss potential terms with funders, and keep you informed. We do not build legal-defense strategies. Independent counsel can advise on litigation, contract interpretation, or other legal options.
When a conversation may be useful
- Existing payments put pressure on operating costs.
- You have multiple advances to organize.
- Revenue has changed.
- You want to discuss potential settlement or payment-adjustment options.
You can discuss options while current on payments. We review your financial information and explore potential adjustments with funders. Timing and outcomes vary.
6 scenarios, opened up
01
We help organize financial information and discuss a proposed adjustment with your funder.
- 01Review financial information
- 02Document receivables
- 03Prepare a financial proposal
- 04Review the funder’s response
02
We discuss proposed payment schedules and other financial terms with funders.
- 01Review payment schedules
- 02Prepare a proposed adjustment
- 03Discuss the response
- 04Review any written agreement
03
We organize balances, payment schedules, and cash flow to support discussions with your funders.
- 01List outstanding balances
- 02Review operating costs
- 03Prepare financial proposals
- 04Review offers
04
We review existing obligations and operating costs to discuss a realistic financial proposal.
- 01Organize payments
- 02Review revenue and costs
- 03Discuss potential terms
- 04Review funder responses
05
We discuss the underlying debt with your funder. Independent counsel can review any judgment-related questions.
- 01Organize financial records
- 02Seek independent legal review where needed
- 03Discuss proposed financial terms
- 04Review written responses
06
We review revenue and operating expenses to discuss a financial proposal.
- 01Prepare a cash-flow picture
- 02Compare it with current payments
- 03Discuss a proposed budget
- 04Review funder responses
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.
Early MCA Settlement Options cases in 49 of the 50 states
Common questions
I haven't defaulted yet, should I still call?
Yes. You can discuss potential options while current on payments. We review your balances and cash flow and discuss possible terms with funders. Outcomes and timing vary.
What is "reconciliation" in an MCA contract?
Some MCA agreements include reconciliation provisions. Independent counsel can explain the terms of your agreement. We help organize the financial information and discuss potential adjustments with funders.
Can I just take another advance to pay these?
Additional financing adds obligations. Review the total cost and affordability with a qualified financial adviser before deciding. We can help organize your existing balances and discuss settlement options.
Will calling a debt firm trigger default?
An initial conversation helps us understand your business debt. Independent counsel can review questions about your contract or default provisions. Delancey Street provides settlement support, not legal representation.
What if I'm already in default?
Tell us about your current payment status so we can discuss potential settlement options. If you have legal notices, deadlines, or questions about default, independent counsel can review them with you.
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Talk to a strategist about your early mca settlement options 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.