Charlotte Merchant Cash Advance

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


Cover Expenses

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.



Use the business loan to pay your employees.



Buy new equipment to grow your business.



Use the business loan to hire new employees.

We Fund Fast


Loans up to

$ 10 Million

Google Rating

5 Stars


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.

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.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

We’re here to answer your
questions. Contact us anytime:

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

Charlotte Merchant Cash Advance

Charlotte Merchant Cash Advances

Money is an important resource in any business and being able to access it instantly whenever you need it is great. However, as you might already know, businesses are faced with various challenges on a daily basis with some days resulting into losses. This is where getting Merchant Cash Advances comes in.
How Merchant Cash Advances Work
Merchant Cash Advances (MCAs) are not designed as loans but rather as quick money for business people that can be repaid within days, months, or even years. This will depend on the amount you apply for and the lender’s terms and conditions.
The credit card sales you make will also determine how much advance cash you can qualify for.
With MCAs, you can also receive money as fast as you need it because your application will be approved within 24 hours and the money deposited to your account immediately.
You are going to love Merchant Cash Advances because you can get instant money for any type of business. Moreover, your credit score does not really matter during the approval stage.
Whether you are having a bad business period or you just need to access quick money, Merchant Cash Advances might just be the best option available.
The repayment period varies with your loan amount. Most service providers will need to review your business receipts for a given time, which is usually two to six months. You may qualify for 50 percent of your total credit sales as per the analysis. Some merchants even qualify for 250 percent of the credit transactions.
Benefits of Getting Merchant Cash Advances

  • Saves time

With Merchant Cash Advances, you do not have to go through the long application and approval process required by other financial and credit options. The approval period is mostly within 24 hours.

  • Convenience

Another great thing about acquiring Merchant Cash Advances is the ability to apply online. You don’t have to plan a visit to the lender’s office with your busy schedule. Just get a laptop, a smartphone, or another electronic device that has access to the internet. With online application, you can get the money you need whenever you do and wherever you are.

  • Instant cash

Merchant Cash Advances are a great way of getting quick cash to meet your emergency business bills or those that are past due. This makes the credit option ideal for payments that are time dependent.

  • It is suitable for a variety of businesses

Despite your line of business, you can access fast cash with Merchant Cash Advances.

  • No credit score worries

While most financial options take into account your credit score to determine whether you qualify for their services, none of that is necessary when you are applying for Merchant Cash Advances.
Your monthly credit transactions as well as the length of time your business has been operational are the determinants of your eligibility.

  • There is no collateral requirements

While most lenders have to get collateral or take lien on some asset like car or title deed, Merchant Cash Advances are a bit different. You will not need to give any kind of collateral when applying for the loan.

  • Flexibility of the payment options

Merchant Cash Advances will design the payment terms such that you will only need to pay a certain percentage of the credit sales you make each month. This way, you will only have to pay based on your cash flow. The less credit transaction the lesser your loan repayment amount and vice versa. This comes in handy when your business is doing badly.
Drawbacks of Getting Merchant Cash Advances
Like any other financial and credit option, there are a few drawbacks associated with the use of Merchant Cash Advances. Here are a few:

  • Higher rates

Unlike the conventional ways of acquiring business loans, you will have to contend with higher fees and charges when you opt take a MCA.

  • Decrease in cash flow

When getting Merchant Cash Advances, you need to show proof of credit sales. Since you will need to repay the loan soon, the cash flow in your business will reduce. This means that you may operate with little or no savings. Minimizing cash flow is bad for any business.

  • Inability to get more money from your Merchant Cash Advances provider

Until you have repaid the loan you have obtained from your lender in full, you cannot get more money from them.

Do you need a small business loan?

Apply now