Bar Merchant Cash Advance

Small business owners can use loans to grow their business. You can use the funds however you wish.


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Pay for any unexpected expenses that arise using our business loans.


Invest in your business

Use the business loan to grow your business however you wish.



Keep the cash on hand for future expenses.



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Use the business loan to hire new employees.

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Loans up to

$ 10 Million

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Hear from people we've helped

Delancey Street makes lending easy. They took a chance on me when no one else would.

Leo kovacz

Founding Partner (Zooomr Car Leasing)
Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would and helped my...

Steven Goldman

Founding Partner (Goldman & Associates
Chicago Lawyer)

Delancey Street Can Help
with Small Business Loans

We're committed to building relationships and helping people all over the USA get access to the RIGHT loan for them. Regardless of your credit, or the riskiness of your industry.


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Easy Application

All it takes is one application, and we handle the rest for you.


Service is key. You can ask for advice on ANYTHING and we'll bend over to help.


Many of our team members are former business owners, and understand your challenges.


We customize each loan for you, and to your unique specs. Everything is customized.


We help virtually any industry, any business, anywhere in the USA. It doesn't matter.


We fund business loans nationwide. It doesn't matter where you are, we can help you.


This is crucial, and critical. We are 100% honest with our clients, and never strive for less.

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

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Our team consists of extremely qualified industry experts

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Minimum Qualifications Requirements

Delancey Street’s team consists of former business owners, and entrepreneurs. We understand your business has unique needs, and not every project is going to be easy and be ideal. These are general guidelines which should be interpreted as a suggestion, rather than mandatory.

At the end of the day, we look at you – just as much as the quality of the deal and the qualifications.

  • Risk Free. No Application Fees.
  • Decisions Within 48 Hours.

Business Loan Guidelines

Speed We close within 24-48 hours
Paperwork Not much
Qualification 3 months in business minimum. Credit isn't a huge issue.
Maximum Loan Amount $5 Million
Loan Terms 6-24 Months

It’s Simple

  • 1 Tell us your financial request
  • 2 We consult & provide terms
  • 3 We finalize the transaction

Get funding today

  • Apply today and we'll tell you what you qualify for
  • No obligation and no effect on your credit score
Get pre-qualified today

Bar Merchant Cash Advance

If your business needs capital quickly, a merchant cash advance is a good option. This type of advance helps your business raise funding within just 24 to 48 hours. Once the money arrives in your merchant account, you can use it for all of your business needs. Whether you have a new business opportunity or need to cover payroll in a slow month, there are a number of advantages of getting a merchant cash advance.
The Mechanics of a Merchant Cash Advance
This is not a loan. Instead, it is an advance on your future sales. The provider looks at your recent history of credit card sales per month. With this information, the provider can offer you an advance from 50 to 250 percent of your monthly credit card sales.
Once you are approved, you instantly begin to repay the advance. Normally, your repayment amount will be 5 to 20 percent of your credit card sales. The percentage that you repay to the lender is known as the retrieval rate or the holdback. The percentage changes based on your credit card sales, the size of your advance and the repayment period. The terms may be for as short as 90 days or as long as 24 months.
The provider will determine the amount you can get according to the average credit card sales you make each month. They will normally look at two to six months of your sales to calculate the average amount and the stability of your sales. Then, you can get an advance of 50 to 250 percent of your credit card sales each month.
The Benefits of Getting a Merchant Cash Advance
There are several useful advantages to getting a merchant cash advance. For business owners in need of funding, this type of advance is a convenient option.
Money in your account the next day: The approval process can be done entirely online in just a couple of hours. Then, you get the funding in your account within just 24 to 48 hours.
No collateral: Unlike a standard bank loan, you do not have to have collateral. A bank wants collateral to make sure that they can recoup the loan if you default. With a merchant cash advance, no collateral is needed.
Easy applications: A typical loan takes a lot of paperwork. With a merchant cash advance, you can upload all of your bank account statements, credit card transactions and more in just minutes. The entire process can be completed online from the comfort of your home or office.
Flexible options: When you get a merchant cash advance, the amount you pay each month is flexible. While you have to repay the holdback percentage, the actual amount can vary based on your sales. If you have a slow month, then you get to repay a lower dollar amount.
Bad credit is not a problem: When it comes to credit, most merchant cash advances are fairly lenient. They care about your credit card sales and business history instead of your credit score. While an advance will not help you boost your score, it does give you a funding option if you have bad credit.
Higher limits: The advance is based on how much you bring in each month in credit card sales. You can get an advance for just a few thousand dollars. The upper limit for an advance can be as much as $2 million.
Who Does This Work Best for?
A merchant cash advance is ideal for a company that has a well-established transaction record. If you need cash quickly, then it is a viable option. Keep in mind that the fees can be expensive. If you take longer to repay the advance, the factor rate can quickly add up. Make sure that you know the terms, holdback amount and factor rate before you apply for a merchant cash advance.

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