Brooklyn Merchant Cash Advances

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.


We're frequently interviewed by major media organizations.

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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

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  • Apply today and we'll tell you what you qualify for
  • No obligation and no effect on your credit score
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Brooklyn Merchant Cash Advances

Brooklyn Merchant Cash Advances

Delancey Street is a top rated Brooklyn merchant cash advance lender. We understand every business has challenges and eventually needs funding. Regardless of why you need the cash – we are here to help. We have a proprietary algorithm which evaluates your cash flow, and helps you get the funding you need without super high interest rates and fees that other merchant cash advance companies in Brooklyn, NY, charge. We recognize that having extra capital is the difference between staying open – and being able to pay basic expenses like payroll. It’s situations like this where a Brooklyn merchant cash advance company comes in play. A merchant cash advance is not a loan – it’s a cash advance against your future proceeds. It’s a calculated bet. You are getting a lump sum of cash, in exchange for a percent of your future credit/debt card sales. This is capital you ordinarily wouldn’t qualify for – but are getting. Many businesses who qualify for merchant cash advance loans in Brooklyn wouldn’t ordinarily qualify for traditional loans. Merchant cash advances a very niche breed of loans. When you get one, you’re able to use the funds for anything you need.
We believe in treating every business like a partner. We advise you always – with whatever we think is in your best interest. If you get a merchant cash advance, you won’t lose your home or other property. You don’t need to worry about forfeiting your personal assets, or business assets. If you go out of business, you don’t have to worry about repaying the loan. This is a non-recourse loan, which means there’s no penalty with the loan. Depending on how risky your business is, a Queens merchant cash advance lender might ask you to sign a personal guarantee.

Merchant Cash Advance
As a growing business, it isn’t uncommon to experience growing pains. Even if your company has decent cash flow, financial responsibilities including payroll, maintaining inventory levels, or unexpected expenses can put added stress on your accounting department.
If your business could use a cash infusion to cover any of the situations as mentioned above, a merchant cash advance is worth investigating. This service is helpful for raising capital quickly. You are free to use the funds for anything your business needs to maintain steady operations, to grow and to thrive. MCA’s are advantageous for smoothing out finances due to a slow month or raising capital to complete repairs, do maintenance, or get prepared for a busy season.
Like every financial service, it is essential to weigh the pros and cons of the service to decide if it is right for your company.
Pros of getting a merchant cash advance
Not a conventional or bank-issued loan – A merchant cash advance is not to get confused with a conventional business loan. A merchant cash advance is an ‘advancement’ of forecast/anticipated credit card receipts. It is ideal for business owners and companies who have less than perfect credit or limited collateral. Merchant cash advances use current business financial statements to decide whether they’ll issue an advance, as well as the amount they are willing to advance your company. If your business shows a steady history of credit card sales and can prove it with supporting financial documents for 2 to 6 months, you are an eligible candidate for a merchant cash advance.
Larger advance limits – Merchant Cash Advance offer access to more substantial amounts of money that can get used as needed. Regardless of whether you need $2,500 or $2.5M, if you have adequate credit card sales transactions, a merchant cash advance provider will take your inquiry seriously and do their best to work with you.
Nearly instantaneous funding – Since applications get filled out and submitted through a secure online portal, the entire process gets completed electronically. No trips to the bank needed! All apps get reviewed within 24-48 hours, so business owners don’t have to wait for weeks for approval. If approved and the terms are agreeable to both parties, the cash advance provider transfers the funds to the business account shortly after that. Once deposited, business owners are free to use the funds as needed.
Predictable payments – Repayment on merchant cash advances begin immediately after issuance. Repayment gets based on a set fraction of your daily credit card transactions. Usually, this fractional percentage, known as a holdback or retrieval rate, varies between 5% – 20%. (The exact amount of your holdback rate is in the terms and conditions of your MCA agreement.) Regardless of whether your company makes $1,000 a day or $100,000, the holdback amount stays the same. For instance, if your contract has a 10% retrieval rate and you have a $1,500 credit card sales day, the daily holdback amount would be $150. If you have a $25,000 day, the holdback amount would be $2,500. Holdbacks take place daily until the merchant cash advance gets paid in full.
Cons of getting a merchant cash advance
Above average fees – Since merchant cash advances are not conventional bank loans, the overall cost and convenience of using this service are more costly for the consumer. Instead of using APR (Annual Percentage Rate) to calculate repayment, MCA’s use a system called ‘factoring.’
A factor rate uses a fractional number that represents the amount borrowers must repay the cash advance provider. Typically, this fractional number falls between 1.1 and 1.5. Many borrowers get confused because the interest rate seems exceptionally low. However, when you do the math, the truth is quite the opposite.
Let’s use this example, a $50,000 merchant cash advance with a factoring rate of 1.3 and a year (12-month) term gets calculated this way:
Multiply the factor rate by the advance amount: 1.3 X 50,000 = $65,000.
Based on this math, the interest rate is at 30%. However, the Annual Percentage Rate could raise based on the agreed upon holdback amount.
Repayments made daily – Repayment on merchant cash advances get automatically withdrawn from your business bank account on a daily basis.
Like all financial products, business owners should carefully consider whether a merchant cash advance is right for their company. To avoid confusion or misunderstandings later, always be sure to read the fine print on the terms and conditions.
Other financial alternatives
If a merchant cash advance isn’t a good fit for your company, other financial services that may be available to you include business credit cards, a conventional business line of credit or a personal or company loan.

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