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

Debt Reduction Merchant Accounts and Credit Card Processing

Debt Reduction Merchant Cash Advance

According to research, one of the main causes of failure of small businesses is inadequate capital for business owners. Merchant cash advance (MCA) was introduced to promote the growth of different ventures as they provide an easy way to source their capital. However, it is only a temporary option. The owner of the business is required to pay the amount received in the future from the income received from their venture.

How MCA Providers Work

When a business approaches the service provider, they are given a lump sum. The amount repaid is calculated based on the amount of daily income. The rate applied to the cash received is known as the holdback. Different service providers may charge different rates. Most of them will use 5% to 20% depending on factors such as the amount issued, the daily business income, and the preferred repayment period which usually ranges between three and eighteen months. One is required to start making payments immediately after they receive the cash.

Before you are given cash, the MCA provider reviews the amount of cash received by your business within a certain period of time. The exercise helps to determine the amount of money that you are eligible for. You may receive up to 250% of your periodic earnings. There are many reasons why some people prefer using Merchant Cash Advances as their source of capital as compared to other options available.

How to Apply for MCA

Just like in the application of business loans, technology has made it possible for merchants to apply for MCA on different online platforms. The application process requires an individual to provide documents which include their tax returns and banking information. The process only takes a few minutes. Most MCA providers approve the request in a considerably short time as compared to other sources of capital. Once the service provider has processed the MCA, the applicant is notified after some days. For that reason, the cash can be used for emergency business expenses.

The credit score of individuals and businesses is an important factor that lenders consider before approving requested amounts of money. Some of the lenders require the applicants to have a perfect score and that hinders many business people from accessing the capital required to grow their ventures or cater to different expenses. For merchant cash advance service providers, some of the factors considered include the consistency of the sales revenues for your business, your credit repayment history, and the period that you have operated the venture.

Unlike a common practice by financial institutions to ask for collateral , MCA providers do not require it to approve your request. If a borrower fails to repay the loan according to specified terms, the financial institution can dispose of the security to cover the debt. As a result, MCA is a good platform for small businesses as some may not possess enough assets to secure required capital.

Repayment of the Cash

MCA providers provide flexible repayment schedules to their customers. Small business loans require the borrowers to honor their debt which is issued at a fixed rate. Therefore, the business pays a fixed amount of money irrespective of their income during a certain period. The provision may not favor some businesses as some months may not be as productive as others. When you approach a merchant cash advance provider, you will pay the amount approved depending on the periodic credit cards receipts.

Conditions for Receiving MCA

For one to qualify for high loan limits in banks, they are required to have a perfect credit score. MCA providers have promoted businesses as some of them can offer up to $2,000,000. MCA is suitable for organizations that require quick cash and have a good record of their credit card transactions. New ventures can also benefit from the cash advances as they may lack a good credit score to secure loans from traditional financial institutions.

The advance providers determine the amount payable by multiplying a rate known as a factor rate by the amount of money that you receive. Some of them set a certain amount of income that a person or business should make periodically to ensure that the customers can repay the cash in full within the specified period. The factor rate applied is more than 1 and varies depending on the service provider that you approach. Some merchant cash advance providers may use a rate of up to 3%.

Demerits of the Financial Option

There are several disadvantages associated with MCA providers. For example, their services are considered more expensive than other credit options. Some statistics from some of the advance providers have shown that a business or individual may pay a three-digit APR at the end of the repayment period. Unlike traditional financial institutions, MCA firms operate under different regulations depending on their jurisdiction. The financial option may not suit a person or organization that wishes to improve their credit score as most of the service providers do not report to credit bureaus.

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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