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Chicago Bad Credit Small Business Loans

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...



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.

Chicago Bad Credit Small Business Loans

Chicago Merchant Cash Advances

Does your company need money to pay bills or hire more employees? If so, a merchant cash advance could be the best way to obtain working capital in a timely manner. There is no need to put up collateral to get the advance, so you don’t need to worry about losing personal or business assets if the debt is not repaid. Let’s take a look at the benefits of a cash advance for your company.
Get Up to 250 Percent of Credit Card Revenue
It may be possible to get an advance worth up to 250 percent of your company’s total credit card receipts. The exact amount that you will receive depends on how long the business has been in operation and its track record creating consistent credit card revenue. It may also depend on the business that you are in and other factors deemed relevant when reviewing a request for advanced funding.
There Is No Fixed Payment Amount
When you take out a small business loan, you pay the same amount every month until the loan is repaid. This can be less than ideal for companies that have irregular income or that otherwise can’t afford to make the same payment every 30 days. With a cash advance, you pay a fixed percentage of sales generated each day. Typically, this amount ranges from 10 to 15 percent. However, rates can range from as little as 5 percent all the way to 20 percent.
Get Your Money In About 24 Hours
When you request a merchant cash advance,¬†you won’t spend a lot of time waiting for a loan decision. In many cases, you will be approved within hours and receive your funds no more than 48 hours after an application is approved. In some cases, you could see a deposit in your business checking account in 24 hours or less.
The Application Process Can Be Done Completely Online
If you know how to upload documents to the internet, you can complete the application in minutes without assistance. Your accountant or other parties who are authorized to share documents or make requests for funding may apply on your behalf. You will need to supply information such as business bank records, corporate tax returns and merchant account data when applying. If you do need help with the application, someone can typically assist you either through a live chat or over the phone.
You Don’t Technically Pay Interest on the Loan
While you do have to pay a fee to get a cash advance, it is technically not considered interest. Instead, it is referred to as a factor rate, and it can range from 1.1 to 1.5. If your factor rate is 1.1, you are paying the equivalent to a 10 percent interest rate. The annual percentage rate (APR) that you pay depends on how long it takes to repay the balance.
Ideally, you will do so in the shortest amount of time possible. In most cases, merchant cash advances have repayment terms of at least 90 days. However, if may be possible to repay the loan in a shorter amount of time without penalty. It is always a good idea to discuss the exact terms of the advance prior to taking the money.
Obtaining a merchant cash advance can be beneficial to those who need thousands of dollars in cash without worrying about a credit check. However, before applying, be sure that you can afford to repay the advance and that it is the best funding option for your company.

Do you need a small business loan?

Apply now
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