Delancey Street review.

Our verdict

Delancey Street settles business debt and settles nothing else. No credit cards, no medical bills, no consumer side hustle. Merchant cash advances, SBA workouts, vendor balances, credit lines, and the UCC liens that sit underneath all of it, the full inventory of what a distressed operating company owes. The firm has resolved over $100 million of it, most of it MCAs.

The model is one straightforward fee: a percentage of the debt, and nothing else. You know the cost going in, the consultation costs nothing, and there are no layered program charges to decode. Compare that against the consumer-industry norm (15–25% of whatever you enroll, spread across multi-year programs) and the difference is clarity: one number, tied to the debt itself, agreed before anyone starts.

What separates them from every negotiation-only shop we reviewed: attorneys stand behind the negotiators. Delancey Street is not a law firm itself. It coordinates with a nationwide network of licensed attorneys who know where MCA contracts crack: the reconciliation clause the funder never honored, the usurious effective rate dressed up as a “purchase,” the defective UCC-1, the confession of judgment signed at 2am. That is leverage a call center cannot replicate.

And they are fast. Consumer programs quote 24–48 months. A single-advance Delancey file can resolve in weeks. When the debit hits your account every morning before payroll, the timeline is not a detail. It is the product.