Here's Who We Are

We're a Direct Lender

We’re a direct lender who funds small business owners nationwide, regardless of industry, credit, or time in business. We fund it all. GUARANTEED.

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We Provide Multiple Options

We have a lot of different financing options available to our clients. Regardless of your situation, we’ll have a solution for you.

Fast Approval

Our application process is completely online. You can get funds in your bank account in literally 24 hours.

The Working Capital You Need In 24 Hours.

We get you funding. It's that simple. Regardless of credit, income, or time in business - we'll fund you.


Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.


Receive application approval in as little as 24 hours. There is no credit check required.

Receive Funds

Review and return your signed agreement and get your money in as little as 24 hours.

Recent Funded Business

100K Term Loan

Ambulance Service

Our client bought a new ambulance.
2019 - June
55K Advance

Truck Funded

Our client used the funds to hire new team members.
2019 - February
85K Term Loan

Restaurant Funded

Our client used the funds for restaurant equipment.
2019 - May

Get a Decision in as Little As 30 Seconds

We’re Fast. We Help Regardless of Credit. WE HAVE A SOLUTION FOR YOU.

Apply Online

We have a completely online application process, which is simple and easy.

Get Offers

We'll match you with the best loan offers we have that are financially responsible.

Get Funded Quickly

We'll fund you the same day you accept our offer.

How Delancey Street Works

Fill Out Our Application

Answer basic questions about yourself and fill out our entirely online application. Each loan has its own online process.

Meet Your Concierge

We'll pair you with an experienced Delancey Street specialist who will reach out to you, and understand your needs. We'll try to determine which financial product is right for you.

Compare Our Loan Offers

We give you a few different loan offers based on your scenario and what options you qualify for.

Choose Your Loan

Once you've chosen a loan that works for you, we finalize it and start getting the documents needed.

Get Funded

Once we get all of the documents back, we'll get you funded ASAP.

We Help You Grow

After you get funded, your Delancey Street concierge specialist will keep in touch to make sure you're happy and doing well.

Business Loans

Get business loans ranging from 3 months to 18 months
No credit score requirement, we have a program for everyone
We can fund up to $5 million in virtually 24 hours

Adult Merchant Accounts and Credit Card Processing

Adult Merchant Cash Advance

A merchant cash advance is funding for a business that has credit card sales. It is like a payday loan for individuals. Instead of taking money out of a checking account on payday, a merchant cash advance takes a percent of your daily credit card sales.

Merchant Cash Advance: How it Works

The provider of a merchant cash advance reviews an application for an advance by looking at your past credit card sales. They then decide what to give you in a lump sum. The provider will give you a retrieval rate, which is the amount they will take from your future credit card sales until everything is paid back. Your retrieval rate is usually between 10% and 20% of your credit card sales.

You will also have a factor rate. The factor rate is usually between 1.2 and 1.5 times the advance. If you get a lump sum from the cash advance provider for $50,000 and the factor rate is 1.5, you pay back $75,000. The factor rate is the fees for the merchant cash advance.

A merchant cash advance is short-term. The provider will let you know an estimate of how long it will take to pay your advance and factor rate back based on your past credit card sales. There is no set date or month like a standard loan. It is usually between six and 18 months.

Do You Qualify for a Merchant Cash Advance?

Many businesses qualify for a merchant cash advance because they are easy to get. The provider doesn’t determine if you are qualified based on credit alone, if at all. They use the businesses credit card revenue to secure the advance, so there isn’t any collateral and qualifying is easier. The providers make a lot of money off the advances they provide, so they benefit from having lower qualifications.

Is a Merchant Cash Advance Right for You?

If you need money fast a merchant cash advance is a possibility. It may not be your only choice, so you should check out loan options and credit cards before a merchant cash advance. The amount of money you must take out of your business cash flow might be too much and put your business in a worse place than it is in currently.

If a merchant cash advance is your only choice, try to negotiate a lower factor rate with the provider, so you pay fewer fees. Sometimes this is a choice. If they won’t lower the factor rate, sometimes they will lower the retrieval percentage. If you don’t think your business can survive the retrieval percentage, you shouldn’t apply for a merchant cash advance.

The Benefits of a Merchant Cash Advance

Many businesses find that payback costs are not as bad as they seem. They can get the funds they need to expand or grow their business. Some benefits are:

  • Applying for the Cash AdvanceThe application process is easy and usually online. You fill out the application, send any needed documents and wait for your offer. It is much easier than applying for a loan and you usually hear back sooner than a traditional loan.
  • Fast MoneyThere isn’t a long wait period to get your funds. This can be a week or even days for your lump sum.
  • PaymentsThe payments adjust with your income. The retrieval rate fluctuates with your credit card sales, so you don’t have to worry about producing a set payment on a set date. Everything is automatic.
  • Imperfect Credit ScoresBusiness owners with credit scores that aren’t great can still use merchant cash advances. You won’t build credit with a cash advance like you would a credit card or loan. You could qualify with a lower credit score and get a lump sum for your business.
  • More MoneyIt is possible to get more money from a merchant cash advance than a business loan. This is because the provider looks at your credit card cash flow as a primary deciding factor.

If you consider a merchant cash advance, make sure you weigh the pros and cons for your business. Some businesses don’t consider the factor rate when they agree to the advance. Figure in all your fees and decide if your business will survive on less cash flow every day.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
$250,000 Hard money Loan

In The Media

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
Delancey Street CEO discusses management on AMEX.
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