Delancey Street

What Delancey Street does

Delancey Street Debt Relief, Inc. is an attorney-founded, New York-based business debt settlement firm founded in 2016 that exclusively serves small-to-mid-sized business owners trapped in merchant cash advance (MCA) debt, particularly those with stacked positions, daily ACH pressures, confessions of judgment, UCC liens, and personal guarantee exposure. The firm operates a core team of 1-10 senior advisors at its 104 W 40th Street headquarters and runs a nationwide referral network of 14+ licensed attorneys covering all 50 states and DC for coordinated multi-jurisdiction legal defense.

The core product suite centers on MCA Settlement, supplemented by specialized modules including Reconciliation Shield™ (an industry-first pre-default reconciliation program leveraging contractual reconciliation clauses to reduce daily ACH payments), Proactive MCA Defense (pre-default restructuring), UCC Lien Defense, Defaulted MCA Services, and Business Debt Resolution (coordinated multi-creditor workouts spanning MCAs, SBA loans, term loans, vendor debt, and tax obligations). The technology stack is intentionally minimal: there is no disclosed AI/ML, no proprietary software platform, and no API; the 'proprietary' differentiator is the Reconciliation Shield™ process itself, which is a trademarked legal/negotiation workflow rather than a software system.

Commercially, the firm runs a high-touch, sales-led go-to-market: free 30-minute confidential consultations with senior advisors, a direct phone line (212-210-1851), website application intake with same-day callbacks, and an ISO/broker referral program that captures distressed merchants from MCA originators. Pricing is structured as a percentage of total enrolled debt, quoted in writing before engagement, with no upfront retainer (per FTC Telemarketing Sales Rule compliance) and multi-year contract lengths averaging 5-7+ months per case. The firm has settled over $100 million in commercial debt across more than 1,000 cases, achieving an average 50%+ daily payment reduction and portfolio settlements at 35-55% of stacked balance, with reported outcomes of cash flow stabilization within 30 days. Marketing is content-led via the 'We Know Debt' blog, SEO-optimized state-by-state guides, and PR distribution through PR Newswire/Morningstar, positioning the firm as an authority on MCA mechanics and regulatory developments such as the NY FAIR Act and Texas HB 700.

Name

Delancey Street

Legal name

Delancey Street Debt Relief, Inc.

Website

https://delanceystreet.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Delancey Street Debt Relief is a New York-based, attorney-founded business debt settlement firm that negotiates and restructures merchant cash advance debt for small business owners nationwide, with a 50-state attorney network and a Reconciliation Shield™ pre-default program.

Ownership category

akta.pro rank

Product category

Business Debt Relief Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI)

Keywords

• Merchant cash advance settlement
• Business debt relief
• Stacked debt restructuring
• Confession of judgment defense
• UCC lien release services

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Debt Settlement Services: Fee structure is a percentage of total enrolled debt, quoted in writing before any work begins. The first consultation is free. No upfront retainer charged for debt-relief work per FTC TSR compliance. Revenue is contingent on successful settlement outcomes.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Delancey Street negotiates merchant cash advance (MCA), SBA, and stacked-debt restructurings for small business owners, settling debt at discounts of typically 35-55% of the stacked balance. The firm halts daily ACH debits, vacates confessions of judgment, releases UCC liens, and coordinates multi-creditor workouts under senior advisor-led engagements backed by a 50-state attorney network. The proprietary Reconciliation Shield™ program is an industry-first pre-default reconciliation service that enforces contractual reconciliation clauses to reduce payments before default occurs.

Product overview

Delancey Street is a business debt relief company offering a suite of interconnected services centered on merchant cash advance (MCA) debt resolution. The core portfolio includes Business Debt Resolution (coordinated workouts for multiple creditor types) and MCA Settlement, supported by specialized modules: Reconciliation Shield™ (pre-default reconciliation enforcement), Proactive MCA Defense (pre-default strategy), UCC Lien Defense, and Defaulted MCA Services. The company maintains a nationwide attorney referral network covering all 50 states. Key metrics include $100M+ in debt settled, 1,000+ businesses helped, and 50% average payment reduction.

Differentiator

Problem solved

Functional benefit

Products and services

• Reconciliation Shield™ Industry-first pre-default MCA reconciliation program that helps small business owners reduce merchant cash advance payments before default by enforcing reconciliation clauses written into MCA agreements. Targets merchants across restaurants, trucking, construction, retail, auto, and professional services nationwide.
• MCA Settlement Merchant cash advance settlement services that negotiate discounted payoffs or restructured terms for businesses with MCA debt, including stacked debt scenarios with multiple funders.
• Proactive MCA Defense Pre-default MCA strategy involving reconciliation rights enforcement, contractual modifications, stacking unwind, and pre-COJ strategy to restructure merchant cash advances before default occurs.
• UCC Lien Defense Legal defense services for businesses facing UCC liens filed by MCA lenders, including challenging improper filings, negotiating releases, and defending against notice-of-assignment to customers.
• Business Debt Resolution End-to-end coordinated workouts for businesses with multiple creditor types including MCAs, SBA loans, term loans, vendor debt, and tax obligations, managed by a single team through a four-stage process.
• Defaulted MCA Services Services for businesses that have already defaulted on merchant cash advances, including COJ defense, frozen account resolution, and post-default settlement negotiations.
• Attorney Referral Network Network of licensed attorneys covering all 50 states and DC for coordinated legal defense, handling COJ defense, UCC challenges, litigation, and other legal matters requiring counsel.

Quantifiable outcome

• 50%+ average daily payment reduction across engagements
• +3 more outcomes

Named customers7 records

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered core and secondary.

• 50-State Attorney NetworkcoreImplementation/ SI/ Consulting Partner · 19 March 2026Expanded network of licensed attorneys covering all 50 states and District of Columbia for coordinated legal defense. Attorneys handle COJ defense, UCC challenges, and litigation in their home states. Delancey Street covers legal costs from this network.
• ISO (Independent Sales Organization) PartnerssecondaryChannel Partner/ Reseller/ DistributorReferral partnerships with Independent Sales Organizations and brokers who originate merchant cash advances and encounter clients in distress. The ISO referral program allows brokers to refer MCA borrowers to Delancey Street for debt settlement services.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• McCarthy Law PLC: Law firm specializing in defending businesses against merchant cash advance litigation, confessions of judgment, and stacked-debt claims. Directly comparable to Delancey Street in target customer (distressed SMBs with stacked MCAs) and core service (MCA defense and settlement negotiation).
• Priority Legal Group: Financial-defense law firm focused on small-business debt, including MCA workout, COJ defense, and stacked-position restructuring. Closely comparable business model — attorney-led MCA defense targeted at the same vertical segments (trucking, restaurants, medical practices).
• Brown Legal: Law firm providing business debt defense and MCA settlement representation. Same go-to-market (free consultation, contingency fee) and same vertical specialization as Delancey Street.

Broad incumbents

• National Debt Relief: One of the largest US consumer debt settlement firms. Comparable on service category (debt settlement with contingency fees) but broader (consumer credit cards, medical debt) rather than the MCA-only niche Delancey Street serves.
• Freedom Debt Relief: Large, established consumer debt settlement firm with similar contingency-based fee model and high-volume intake operations. Adjacent in product but operates at vastly larger scale and in consumer credit, not business MCA, debt.
• Accredited Debt Relief: Nationwide debt settlement company offering settlement on consumer unsecured debt. Useful benchmark for contingency-fee settlement economics but does not compete in the MCA-specific, attorney-network-delivered segment.
• Pacific Debt Relief: Established debt settlement provider offering program-based resolution services. Comparable contingency-fee operating model serving distressed debtors, but consumer focused rather than Delancey Street's MCA-only vertical.
• JG Wentworth: Public-facing brand in debt relief and structured settlements with broad consumer awareness. Relevant as a marketing-spend benchmark and category comparison; not a direct competitor in MCA legal defense.
• CuraDebt: Debt settlement and consolidation services firm with comparable contingency-pricing approach. Comparable on intake-and-negotiation workflow but not on MCA-specific legal-defense specialization.

Others

• LegalShield: Subscription-based legal services platform that channels small businesses to attorneys for legal matters including financial distress. Adjacent ecosystem participant — provides legal access but does not directly compete in MCA debt settlement.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/delancey-street

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Delancey Street