Colorado 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.


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



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Loans up to

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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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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

Colorado Merchant Cash Advance

What is a Merchant Cash Advance?
A merchant cash advance is not technically a loan, but rather a cash advance based upon the credit card and debit card sales deposited in your merchant account. When you receive funding from a merchant cash advance company, the merchant will automatically deduct a percentage of your credit card transactions.
Maximum Advance Amount – $2.5K – $250K
Repayment – Paid daily via your merchant account
Time to Funding – As little as 2 days
Factor Fee – 1.14 – 1.18

. Easy approval process
. Quick access to funds
. Bad credit is accepted
. Suitable for a wide range of business purposes

. Daily deduction of credit card and debit card receipts reduces cash flow
. More costly than traditional financing
. Less flexibility to switch credit card processors

Who Qualifies for Merchant Cash Advances?
Merchant cash advances are perfect for businesses who have little or no collateral, limited business history, or a low credit rating.
Merchant cash advance providers evaluate risk and weigh credit criteria differently than a banker or other lending companies. They look at daily credit card and debit card transactions to determine if you can pay back the advance in a timely manner. So most small businesses shouldn’t have a problem qualifying for a merchant cash advance.
For businesses that have a good volume of credit and debit card transactions – if you own a retail store or a restaurant, for example – then you can use a merchant cash advance as a short-term financing option. It can help with debt payments, inventory purchases, working capital, unexpected payments, and more.

How to Apply?
The good news is that applying for a merchant cash advance is fast and easy. Because the merchant cash advance provider simply takes their “cut” from the daily card credit income that your business generates, they will look at your credit card processing statements to make sure you generate enough volume. Some merchant cash advance providers will want to see your bank statements and credit score, too.
Most providers offer an easy online application, and you can often get funded in just 24 hours. Unlike traditional business loans, applicants do not necessarily need to have multiple years operating as a business to qualify. Remember: merchant cash advances come with higher fees than with traditional loans.
Documents you need:
. Bank Statements
. Driver’s License
. Credit Score
. Voided Business Check
. Credit Card Processing Statements
. Business Tax Returns

How Does A Merchant Cash Advance Work?
Small business owners can apply for a merchant cash advance and have the much-needed cash fairly quickly.
As you already know, a merchant cash advance is an expensive option when seeking working capital. And based on the structure, getting this type of funding can really take a chunk out of your cash flow.
Once the funds are advanced to you, a percentage of your daily credit and debit card sales will be used to pay back the advance. Merchant funding remittance fluctuates with your business’s sales patterns. Usually, the payback period ranges from 3 months to 15 months.

Determining the Repayment Amount
The amount the business must repay is determined by multiplying the financed amount by a factor rate. Unlike interest rates, which are given in percentages, factor rates are usually expressed in decimal figures.
The factor rate typically ranges from 1.2 to 1.5 and is based on the risk assessment. For example, a $50,000 funding with a payback factor of 1.4 would require you to repay $70,000 over a period of time. This amount includes fees of $20,000. The higher the factor rate, the higher the fees you pay. If credit card and debit card sales or income slow, so do the remittance to the merchant cash advance company.

Summing Up
A merchant cash advance is one of the fastest ways to obtain business financing and often has the highest approval rate. If you need a cash infusion to grow your business, a merchant cash advance may be a worthwhile option for you.
It is crucial that you carefully read over the terms and conditions of the agreement so you can make an informed decision about whether or not a merchant cash advance makes sense to meet your needs

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