Built from patterns across more than 1,000 resolved cases, the self-assessment scores a business’s exposure across eight factors and explains every flag in plain English. No credit check required.

NEW YORK, Oct. 19, 2026 /PRNewswire/ — Delancey Street, a New York based MCA relief company, today released a free self-assessment that shows small business owners their exposure to merchant cash advance debt in about two minutes. It requires no credit check and carries no obligation.

The assessment asks eight questions: how many advance positions a business carries, what its daily debits total against daily revenue, whether it has borrowed to cover payments on existing advances, whether debits have bounced, and whether legal instruments like confessions of judgment or UCC notices are in play. It returns an exposure snapshot in one of four bands, a plain English explanation of each flag, and a set of next steps a business owner can take on their own, including how to locate the reconciliation clause most MCA contracts contain.

The scoring reflects the patterns Delancey Street has observed across more than 1,000 businesses whose debt it has helped resolve. One warning sign the assessment highlights is how much daily revenue goes toward MCA payments.

The tool is available at https://www.delanceystreet.com/mca-exposure-assessment/.

“Owners carrying multiple advances can find it difficult to see how the payments are affecting their business,” said Vinay Metharamani, CEO and Co-Founder of Delancey Street, who carried MCA debt in his own businesses before co-founding the company. “The hardest step is finding out where you actually stand. This puts a straight answer in front of an owner in two minutes, in plain English, with no credit pull and no judgment.”

The company built the assessment after seeing the same pattern repeat across its caseload: owners typically seek help only after the problem is visible from the outside, when daily debits have started to bounce or a new advance has been taken out to cover payments on an existing one. By that point, options have narrowed. The tool is meant to surface those warning signs earlier, and to give an owner who does reach out a clearer starting picture of where the business stands. For businesses it takes on as clients, the company reviews each advance position and negotiates directly with funders to restructure payment schedules or settle balances.

The launch reflects growing pressure on small businesses that rely on merchant cash advances, a form of financing in which a funder purchases a share of future receivables in exchange for upfront capital, repaid through daily or weekly debits. Businesses that take multiple advances, a practice known as stacking, can see a substantial share of daily revenue consumed by debits. The more than $100 million in business debt Delancey Street has resolved represents the combined advance balances it has restructured or settled on behalf of more than 1,000 client businesses across all 50 states.

The self-assessment is educational and not financial or legal advice. It produces a general snapshot based only on what a user enters and cannot evaluate individual contracts or circumstances. Outcomes of any debt resolution process vary by situation. Delancey Street is not a lender and not a law firm.

About Delancey Street

Delancey Street is an MCA relief company headquartered at 104 W 40th Street, New York, NY. The company helps small business owners with $30,000 or more in merchant cash advance debt understand, restructure, and resolve their obligations. Delancey Street has resolved more than $100 million in business debt for more than 1,000 businesses. Learn more at delanceystreet.com.

Media Contact
Maxinder “Max” Soni
Chief Marketing Officer & Founder, Delancey Street
max@delanceystreet.com
1-212-210-1851
https://www.delanceystreet.com

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SOURCE Delancey Street