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

business opportunities merchant account solutions

Business Opportunities Merchant Cash Advance

As a business owner, there are likely to be times when you need access to cash for emergencies, to cover inventory expenses, or to ramp up your operations. Depending on your situation, you and your company may not qualify for a traditional loan for any number of reasons. Luckily in times like this, there are other options to get the funding you need to stay competitive. One of these options is called a Merchant Cash Advance.

Unlike conventional business loans that can take weeks or months to get approved, Merchant Cash Advance Providers work quickly to process your loan application. In some cases, business applicants can access the funds from an MCA in as short as a couple of business days.

A merchant cash advance isn’t the right solution for all situations. However, it can offer a lot of benefits to merchants who are managing growth or getting ready for a busy season.

Common Questions About Merchant Cash Advance Services

Some of the most common questions regarding merchant cash advance services are straightforward. You might wonder if you meet the requirements to qualify for a merchant cash advance. And if you do, what is the best way to find an MCA provider. Our finance specialists have scoured the internet and learned everything there is to know about this convenient financial service to help you make an informed decision.

Is An MCA Considered A Business Loan?

While you might be tempted to think that a merchant cash advance is the same as a traditional business loan, this assumption is not accurate. A merchant cash advance is more accurately, a sales agreement. The merchant who takes out an MCA agrees to ‘sell’ the future revenue of the company at a discount to the merchant cash advance company.

Other ways that a merchant cash advance differs from a traditional loan is the fact that companies who offer this financial service collect fees using factoring or a buy rate. This rate gets determined by multiplying the factor rate by the amount of money borrowed.

For instance, let’s say you are requesting an MCA of $10k and a factoring rate of 1.5%. The total amount you would need to repay the merchant cash advance issuer is $15K — fees and factoring equal $5K or 50% of the capital that was originally advanced.

Merchant cash advance fees can vary between 1.09 to as high as 2. However, with a variety of MCA providers available, there is a possibility that you can find MCA providers with higher or lower fees. Other factors that can raise the costs of this service could include origination charges, as well as management and closing fees, on top of the factoring fees.

Advance providers collect payments on the MCA by deducting a percentage of your debit and credit card sales from your business bank account daily. Repayment of the loan can fluctuate based on your sales receipts. Although there is no set repayment date, most MCA’s require they are paid back within 18 months.

Is My Business Eligible For A Merchant Cash Advance?

Merchant cash advances are an alternative funding option for companies that don’t qualify for conventional business loan products. In many cases, merchant cash advance providers determine eligibility using your current cash flow. Companies with a steady and consistent cash flow could qualify for a cash advance regardless of your credit score or the length of time you’ve been in business.

Even with fewer restrictions, many merchant cash advance providers require business borrowers to fit a specific profile. Generally, business owners seeking an MCA should have a minimum credit score of 500. Further, they should be able to verify consistent cash flow and own a company at least three months old.

Due to the way MCA’s collect payments on advance services, companies with inconsistent cash flow may not qualify for this product. Because payments get collected from the business bank account based on credit and debit card receipts, transaction volume plays a significant role to qualify.

The MCA will want to ensure that your company has the financial capacity and daily credit card sales to support repayment of the advance. Since fees get automatically deducted from your business bank account, you want to be sure your account always has enough cash to cover these withdrawals and avoid possible overdraft situations.

Weighing Your Options

Like all financial products and services, it is always in your best interest to weigh all of the options that are available to you. Regardless of which financial product or service you decide is right for your situation, be sure to read the fine print that outlines the terms and conditions of service first. By doing so, you are taking steps to avoid confusion or misunderstandings on the terms later.

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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