DELANCEY STREET

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.

Apply

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

Approval

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

Collection Agency Merchant Accounts and Credit Card Processing

Collection Agency Merchant Cash Advance

Getting a small business should be high up on every small business’s to – do list. Running a small business cost a lot of money, and many times the funding that owners have set aside does not cover the unexpected costs that will pop up. If you’re unable to cover those costs, you put your business in danger. This is where a small business loan can really help.

Small business loans are really hard to get

In spite of the fact that everyone says that you need to get a small business loan, the undeniable truth is that small business loans are notoriously difficult to get. The Small Business Association, or the SBA, applies extremely stringent rules any lending institution that they back for loans. This means that if you’re a business that’s just starting out, it could be really difficult for you to get funding through them. Luckily, there are different types of small business loans available. You essentially have to go with the ones that best fit your financial situation. Find our list of small business loans that are grouped by Business financial situation.

You have Stellar Credit

If you’ve got Stellar credit, you should be able to qualify for an SBA backed bank loan. This is the most difficult small business loans he gets, but once you do get it the terms are excellent. In order to qualify for this type of loan, you need to make sure of the following:

  • You need to have a credit score that’s a minimum of 680. Keep in mind that this is the absolute minimum.
  • You’re going to need to prove to the bank that your company has had at least two years of continuous operation.
  • You’ll need to show that your business has a minimum annual revenue that ranges from between 50000 and $150,000. Make sure that you get that information from your accounting before you even sit down at the table.
  • You’ll need to ensure that you have the ability to pay back the loan easily. Banks need to be confident that you’ll be able to meet the payment each month, so you’ll need to present financial statements that show that your income is at least 1.25 times the amount of your operating expenses. Keep in mind that this amount will need to include the amount that you have to repay each month for the loan. The 1.25 amount is usually used just a baseline that banks use. Many banks actually insist that you exceed the “1.25” requirement.

You have decent credit, you only need a small amount and your company is not very big.

If you don’t quite meet the threshold for SBA bank loans, but you still have relatively decent credit, you’ll probably want to pursue a loan with a microlender. Microlenders are nonprofits that extend short-term loans to small businesses. You should be aware that these loans rarely exceed $35,000, so they’re more for use for short-term stop-gaps in business expenses. They’re extremely useful for small businesses that need to get hold of quick funding.

Your credit is not that great.

If your credit is not that great or for whatever reason you’re unable to qualify for other types of small business loans, you may want to consider an online lender. An online lender could be a great option for a small business that needs to get a hold of money quickly. Unlike traditional banks which take a long time to approve your loan before getting you the money, online lenders can get you your money in as little as 24 hours.

On the flip side, online lenders have huge annual percentage rates, with the average for an online loan frequently going as high as 108%. If you intend to go this route, make firm plans with your accounting and finance department to make sure that your loan is paid off as swiftly and aggressively as possible.

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"
Leo
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
Jason
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
Mary
$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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Ready To Get Started?

If you have questions, feel free to shoot us an email, or fill out our live chat.

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