Business debt settlement for owners who need a real way out
Twelve in-house service lines. Attorneys and former industry insiders. One accountable team that resolves the debt, defends your business, and keeps your operation running while we work.
Business Debt Resolution
Coordinated workouts when you owe money on multiple fronts — MCAs, term loans, vendors, tax. One team handling every creditor in a single plan.
Conventional Loan Workouts
Term loans, lines of credit, and asset-based facilities from regional and national banks. Forbearance, modifications, DPO.
Defaulted Mortgage Workouts
Stop foreclosure. Modify the loan. Keep the property. Commercial and high-value residential mortgage workouts.
Equipment Lease Restructure
Modify or surrender equipment financing — keep the gear, fix the payment, defend deficiency claims after disposition.
Franchise Debt Relief
Workouts for franchisees caught between the franchisor and their lenders. Royalty arrears, SBA franchise loans, multi-unit restructuring.
IRS 941 Tax Resolution
Unpaid payroll taxes, TFRP defense, Installment Agreements, and OICs. The most dangerous business debt the IRS collects.
Landlord Collection Defense
Defend commercial-lease collection. Negotiate buyouts. Limit personal-guarantee exposure on accelerated rent claims.
Proactive MCA Defense
Pre-default MCA strategy — reconciliation enforcement, contractual modifications, and stacking unwind before the first ACH bounces.
SBA Offer in Compromise
Specialized OIC practice. Financial package preparation, SOP 50 57 compliance, and follow-through to formal acceptance.
SBA Loan Workouts
Hardship modifications, lender liquidation strategy, and Treasury-stage workouts for SBA 7(a), 504, and EIDL loans.
Vendor & Trade Debt Resolution
Restructure trade payables and supplier debt without burning the relationships you need to keep operating.
You don't need more advice. You need a counterparty.
By the time owners reach us, they've already read the blogs and called the call centers. What they actually need is a team that picks up the phone with the funder and stops it.
That's the entire job. We close cases — not tickets.
The full spectrum of business debt we handle
Four steps. One accountable team.
Confidential review
Free 30-minute consultation. We pull your contracts, bank statements, and current obligations into one picture.
Strategic plan
Tailored roadmap with realistic settlement targets, communication strategy, and a sustainable monthly outflow.
Negotiation
Our team — and an affiliated attorney from our network when needed — handles every funder communication, alongside former MCA insiders. You stop taking the calls.
Recovery
Closeout documentation, lien releases, credit guidance, and a financial reset so the cycle doesn't repeat.
Why owners pick Delancey over law firms and debt relief shops
Get Help With Your Debt.
Tell us about your situation. Same-day callback. Confidential. No commitment. A senior advisor will give you a realistic plan on the call — not a sales pitch.