Here's Who We Are

We're Fund Virtually Everything

We fund business owners nationwide, regardless of industry, credit, or time in business. We fund it all.

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We Provide Multiple Options

We have a lot of different financing options available to our clients. Regardless of your situation, we’ll have a solution for you.

Fast Approval

Our application process is completely online. You can get funds in your bank account in literally 24 hours.

The Working Capital You Need In 24 Hours.

We get you funding. It's that simple. Regardless of credit, income, or time in business - we'll fund you.


Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.


Receive application approval in as little as 24 hours. There is no credit check required.

Receive Funds

Review and return your signed agreement and get your money in as little as 24 hours.

Recent Business Loans Funded

100K Term Loan

Ambulance Service

Our client bought a new ambulance.
2019 - June
55K Advance

Truck Funded

Our client used the funds to hire new team members.
2019 - February
85K Term Loan

Restaurant Funded

Our client used the funds for restaurant equipment.
2019 - May

Get a Decision in as Little As 30 Seconds

We’re Fast. We Help Regardless of Credit. WE HAVE A SOLUTION FOR YOU.

Apply Online

We have a completely online application process, which is simple and easy.

Get Offers

We'll match you with the best loan offers we have that are financially responsible.

Get Funded Quickly

We'll fund you the same day you accept our offer.

How Delancey Street Works

Fill Out Our Application

Answer basic questions about yourself and fill out our entirely online application. Each loan has its own online process.

Meet Your Concierge

We'll pair you with an experienced Delancey Street specialist who will reach out to you, and understand your needs. We'll try to determine which financial product is right for you.

Compare Our Loan Offers

We give you a few different loan offers based on your scenario and what options you qualify for.

Choose Your Loan

Once you've chosen a loan that works for you, we finalize it and start getting the documents needed.

Get Funded

Once we get all of the documents back, we'll get you funded ASAP.

We Help You Grow

After you get funded, your Delancey Street concierge specialist will keep in touch to make sure you're happy and doing well.

Business Loans

Get business loans ranging from 3 months to 18 months
No credit score requirement, we have a program for everyone
We can fund up to $5 million in virtually 24 hours

Bad Credit Merchant Cash Advances


Whether your business is having a cash flow problem or just needs cash for payroll, a merchant cash advance could be a useful funding option. A merchant cash advance is a way for you to get cash for all of your business needs. Once you apply for an advance, you can get cash in just 24 to 48 hours.

How a Merchant Cash Advance with Bad Credit
Unlike a loan, a merchant cash advance is just an advance based on your future credit card sales. When you apply for a merchant cash advance, the lender looks at your credit card sales and your company’s stability. Then, they give you an offer worth 50 to 250 percent of what you normally make in credit card sales each month.

When you pay back the advance, the amount you pay is based on your sales. You will generally repay 5 to 20 percent of your credit card sales. This amount is automatically taken out of your sales as soon as you get the advance. Depending on your sales, the term may be for 90 days to 24 months.
To qualify for an advance, you have to have a stable income from credit card sales. The lender will normally look at two to six months of your transactions. If you need cash quickly, a merchant cash advance is a viable alternative.

Are There Alternatives to a Bad Credit merchant cash advance?
This type of funding option works best if you have an established record of credit card sales. It is also useful if you need cash quickly and want a flexible repayment plan. If you need cash and want an alternative, there are a few other traditional options that you can use.
Business credit cards: A business credit card can help you cover some of your expenses. It might also offer cash back rewards or travel points.
Term loans: If you have the extra time to apply for a loan and assets for collateral, then you can get a business loan. This type of loan is like a mortgage. You borrow a certain amount that has to be repaid over time. The lender may give you a fixed or variable rate. While the APR is often lower than a merchant cash advance or a credit card, it will generally take longer to apply for a business loan. In addition, the lender will often require a good credit score and a longer business record.

What Are the Benefits of a Bad Credit merchant cash advance?
There are a number of reasons why merchant cash advances are popular among business owners. They offer a flexible repayment plan, fast cash and an easy application process. While they are not the right choice for everyone, they are definitely a useful option for business owners who need cash quickly.

No collateral necessary: Many banks require personal or business assets as collateral. The bank wants to make sure that they will get their money back if you cannot repay the loan. With a merchant cash advance, you do not have to use any collateral.

Fast cash: If you are suddenly suffering from a cash flow problem, an advance is a good option. After you apply for the advance, the money can be in your account within just 24 hours.

Credit scores are not an issue: Unlike a standard loan, you do not have to have a perfect credit score to get a merchant cash advance. The lenders are more lenient because they base the advance on your credit card sales. If you have strong credit card sales, then you can get approved for an advance.

High limits: The total amount of your advance is based on your credit card sales. You can get $2,500 to $2 million in just a day.
Simplified applications: Instead of going into your bank and spending days gathering your documents, you can apply for an advance online. All of your documents can be easily submitted online, and the entire approval process takes just a few hours.

If you’re a business owner and you’re seeking a loan but face rejection because of bad credit, then consider a merchant cash advance. This is an option that is often easier to obtain than a loan that you would apply for through a bank or a credit union. It’s also beneficial if you’re looking for an easier way to pay the loan back as the payments each month to the lender are made through your credit and debit card sales. A merchant cash advance is an option if you only need to borrow a minimal amount of money for your business for a short time.

Keep in mind that a merchant advance isn’t like a traditional loan that you might take out from a bank or another financial institution. The advance is a payment that is based on the future income that your business receives from customers. You will get one lump payment, similar to what you would get when you take out a loan. However, you will work with the merchant to set a percentage of your credit and debit card sales that will be used to pay back the advance. This is considered a holdback of the money that you make from these types of sales each day. It could be an amount that is as small as 5 percent or as much as 20 percent depending on the overall sales that you have had for your business and your credit score. The amount of the advance that you receive will also be taken into consideration when determining the percentage of the payments that will be used to pay back the loan.

Another factor is the length of time that you have to pay back the advance as a longer loan period could result in a smaller percentage of the sales that will be held back. Most merchants give businesses between 18 months and two years to pay back the advance. However, some merchants will only give you a few months if you are only receiving a minimal amount of money.

When the merchant begins looking at the amount that you can receive, your credit score will be examined as well as the number of sales you have taken in since your business has been open. Most of the time, only three to six months of sales are reviewed unless your business hasn’t been open for a very long time. Your advance could be 50 percent of the sales from debit and credit card transactions to as much as 250 percent. Keep in mind that the larger amount is usually reserved for businesses that have been open for a longer time and that have a healthy number of credit and debit card transactions.

There are a few benefits that you want to keep in mind about a Florida merchant cash advance. The process of applying and obtaining the advance is usually fairly easy and straightforward. There usually isn’t a lot of excess paperwork as much of the process is done online. When you’re approved for the advance, you’ll receive the money in a short time. This is beneficial if you need the money right away for business essentials that include inventory or other items that are needed to keep the store operational. You don’t need perfect credit, but you need to have a good score. This is something to remember if you might not have the best credit and are unable to obtain a loan through other means. There is usually no need for collateral, which is beneficial if you don’t want to put anything that you own in the store or that you personally own in a position to be taken away in case you are unable to make the payment.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
$125,000 Small Business Loan
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$35,000 Lawsuit Advance
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$250,000 Hard money Loan

In The Media

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
Delancey Street CEO discusses management on AMEX.
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