Company Comparisons
Merchant Program Solutions vs Delancey Street
Both companies work with business owners under pressure from merchant cash advance payments, but they play different roles. Merchant Program Solutions reviews a business's situation and refers it to an independent provider from a network of commercial debt restructuring companies. Delancey Street is itself one of those providers — a business debt settlement company that negotiates with funders directly. Neither approach promises a particular outcome, and every business situation is different.
Quick answer
Merchant Program Solutions or Delancey Street?
Want to see what may apply to your situation?
Answer a few questions about your advances and we'll review which type of provider may fit.
Roughly how much MCA debt does the business have?
Prefer to speak with someone? 929-202-7005
What Delancey Street does
Delancey Street describes itself on its own website as a New York-based business debt settlement company working in 49 of the 50 states. Its stated focus is negotiating merchant cash advance, SBA, and stacked-debt obligations down to payoffs a business can afford. Its site describes a flat fee quoted up front as a percentage of enrolled debt, funds set aside in an escrow account in the client's name, and a negotiation team that takes over creditor contact, with outside counsel when a situation escalates.
How Merchant Program Solutions works
Merchant Program Solutions does not represent a single program. It works with a network of independent commercial debt restructuring companies and takes on the qualifying and comparison work first: the type of business, the individual lenders and positions, the payment amounts and frequencies, and the way the business itself operates. Based on its experience with the companies in its network, Merchant Program Solutions refers the business to the provider it believes fits that situation best — so the business owner has someone evaluating the options rather than one company saying its own program is the only answer. The selected provider then explains its own services, fees, terms, and requirements.
Side by side
| Merchant Program Solutions | Delancey Street | |
|---|---|---|
| Service model | Referral and matching — the situation is reviewed and referred to an independent provider from a network | Direct settlement — Delancey Street's own advisors negotiate obligations with funders |
| Who runs the program | The independent provider selected to fit the situation | Delancey Street's negotiation team, with outside counsel when escalation is needed |
| How a program is chosen | Business type, individual lenders, payment amounts and frequencies, and how the business operates are all considered before a referral | One company handles the engagement from the first call through settlement |
| Fees | Set by the referred provider and explained before the business owner decides anything | A flat fee, a percentage of total enrolled debt, quoted up front (per Delancey Street's website) |
| How money is set aside | Determined by the program the provider offers | Funds accumulate in an escrow account opened in the client's name (per Delancey Street's website) |
When Delancey Street may be the right fit
- The business wants one firm to run the entire negotiation directly, start to finish
- A fee quoted up front as a percentage of enrolled debt, with escrow, sounds workable
- Stacked advances, SBA obligations, or confessions of judgment are all in the mix
- The owner prefers to delegate funder communication to the company they enroll with
Going directly to Delancey Street may make sense when the business already knows that settlement is the path it wants and does not need help comparing provider types first.
When Merchant Program Solutions' matching approach may fit better
- The owner is not sure whether restructuring, settlement, or another program type fits
- The situation is still early, and comparing how different programs work is worthwhile
- The business wants its specific lenders and payment structure taken into account before enrolling anywhere
- The owner wants an evaluation across several provider models, not a single company's pitch
The difference between the two main paths is explained on the restructuring vs settlement page, and what settlement involves day to day is covered on the mca debt settlement guide.
Frequently asked questions
- Is Merchant Program Solutions the same company as Delancey Street? No — the two are independent and unaffiliated. Merchant Program Solutions refers to a network of providers; Delancey Street negotiates settlements itself.
- What does Delancey Street do? Per its own website, it is a business debt settlement company that negotiates MCA, SBA, and stacked-debt obligations, with a flat fee quoted up front and funds held in escrow.
- Which is better? It depends on the business, the positions, and the payment structure. Neither company can promise an outcome. Every business situation is different.
How Merchant Program Solutions fits in
Merchant Program Solutions is a marketing and referral company. We are not a lender, law firm, or financial advisor, and we do not provide legal, tax, accounting, or financial advice. We collect basic information about your situation and, where appropriate, refer it to independent service providers who are responsible for their own services, fees, terms, and requirements. No outcome, approval, or result is promised.
Comparing Merchant Program Solutions with other companies
- Merchant Program Solutions vs Coastal Debt Resolve
- Merchant Program Solutions vs ClearBizDebt
- Merchant Program Solutions vs Creditors Relief
- Merchant Program Solutions vs Second Wind Consultants
Merchant Program Solutions is an independent marketing and referral company. It is not affiliated with, endorsed by, or sponsored by Delancey Street. The Delancey Street name is referenced here for identification only and remains a trademark of its respective owner. The description of Delancey Street on this page summarizes information that Delancey Street publishes publicly on delanceystreet.com; details about any company's services, fees, terms, and requirements can change, so verify them directly with Delancey Street before making a decision.
Explore available options
Answer 3 quick questions, then request information in about 60 seconds. No obligation.
Roughly how much MCA debt does the business have?
Or call 929-202-7005
This page is general information only and is not legal, tax, accounting, or financial advice. Every business situation is different.