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

E Cig Merchant Accounts

E CIG Merchant Cash Advance

Many businesses turn to merchant cash advance when they need a fast way to get money for their business. You could also consider looking for working capital from a merchant cash advance provider. Merchant cash advance providers have less stringent credit requirements than banks and other traditional options.

merchant cash advance is a simple financing solution for business owners to secure the money they need for business growth or to deal with cash flow emergencies. Based on credit card sales, this form of funding is usually quick, efficient, and easy-to-manage.

Merchant cash advances are not considered loans. This form of financing does not work as a traditional bank loan would. They are an advance based on your future sales.

With this type of business financing, a lender provides business owners or companies short-term financing that they pay back with a predetermined percentage of their business’s daily credit card receipts.

This payment is automatically deducted daily, so the business owner doesn’t have to deal with a huge bill every month.


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


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

Merchant Cash Advance Uses

Merchant funding providers don’t have restrictions on how you use your funding. The funds are provided to businesses to take care of the things they need for their business. While you may need it for purchasing inventory, another business may need it for renovations. The merchant cash advance company provides the funding, and you choose how to utilize it.

This funding option can be used to take care of business activities, such as:

. Improving cash flow
. Hiring new employees
. Renovations and expansion
. Purchasing inventory
. Advertising and marketing promotions

Who Can Qualify for a Merchant Cash Advance?

A merchant cash advance is a quick source of short-term financing and can be a great financing solution for business owners who process a large volume of credit card sales in their business.

The primary requirement for a merchant cash advance is you must make daily credit card sales. This funding option is suitable for restaurants, retailers and service companies.

How It Works

Cash advance companies provide you upfront cash in exchange for a portion of your future credit and debit card sales. And, the repayments will be a specified percentage of your business’s daily credit and debit card revenue.

After a merchant cash advance provider has approved your request for funding, you will be presented with an offer. You will be required to enter into an agreement regarding the cash advance.

The funding process is handled quickly and remittances are automatically made from credit card sales. Typically, it’s a percentage of your daily credit card transactions until the amount has been repaid.

Your payments fluctuate based on the amount of revenue being generated. If you have a slow day you pay less, and if sales are booming you pay more. The payback term is typically 3 months to 15 months.

Simple Application Process

Applying for funding is simpler than you might think. Unlike traditional business loans, there are no complicated steps to go through or time-consuming processes. And you do not need to leave your office just to complete an application for funding. Most merchant funding providers have an online application system, which makes it easy and convenient to submit your information and wait for a response.

Merchant cash advance companies use different criteria for approval during the application process than providers of a traditional loan do. Traditional lenders like banks rely heavily on your credit history when they process a loan application. They also have other stringent requirements and can take several weeks to get back to you.

But merchant cash advance providers work with business owners who do not have a great credit history or high credit score.

The online application is quick and convenient. All you need to do is fill out the application and upload the required documents.

Documents you need:

. Bank Statements
. Driver’s License
. Voided Business Check
. Credit Score
. Business Tax Returns
. Credit Card Processing Statements

Once approved, your funds can be made available to you fairly quickly – in as little as 24 hours.

Summing Up

A merchant cash advance can be a great option in certain situations. Merchant cash advance providers help businesses obtain working capital. Businesses that have their cash flow interrupted but want to expand their operations can benefit from a merchant cash advance.

But it is important to do your research and decide if a merchant cash advance a good option for you. If this funding source is right for your business, then review the terms before finalizing the transaction or signing the contract.

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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