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

Government Grants Merchant Accounts and Credit Card Processing

Government Grants Business Cash Advance / Merchant Cash Advance

A merchant cash advance is a common form of a business agreement that allows businesses to receive a credit line of cash in exchange for a portion of product sales in the future. This percentage usually includes interest, taxes, and other additional fees.
Some financial lenders may consider this a business related loan, while others consider it as a form of an investment, but the real important factor is that both sides get what they want.

The concept of merchant cash advances will be explored in the following sections of the post in order to try and provide a better understanding of what it is and how it could potentially work in your favor.

What is a Merchant Cash Advance?

As briefly mentioned above, a merchant cash advance is usually a transaction of a large portion of money from a financial lender in exchange for a percentage of product sales in the future. The specific terms of each agreement is different, and the terms can usually be changed depending on the intentions of each party involved.

Why is a Merchant Cash Advance good for the Lender?

The lender in this scenario is banking on the business to have a significant amount of sales that will pay back the initial lump sum transaction that was made in order to provide the business with a large portion of cash. Many financial lenders and brokers will construct the agreement so that projected sales will pay them back their initial loan amount plus some interest within one year.

This is usually a really safe investment for lenders to take because of the guaranteed return from each individual product sale. If the business sells 5000 of their own products through credit card transactions, the business is required to pay a royalty to the lender for each individual sale, this amount of money adds up quickly and can pay the lender back in a matter of weeks or months.

Why is a Merchant Cash Advance good for the Business?

In almost all cases, a merchant cash advance could be considered a ‘win – win’ scenario for both the business and the lender. There are multiple reasons that a cash advance can help the business side of the transaction. First off, in many cases, small businesses simply don’t have enough liquidity when it comes to having enough financial control of their business. For businesses that don’t have enough up-front cash, they are forced to consider taking out business loans or merchant cash advances.

The biggest reason that a small business would want a merchant cash advance is to expand their operation internally in some way, which usually requires a large amount of cash. The problem is that if the business waits to sell enough product to make this expansion, years of potential revenues could pass by. Therefore, businesses have the option to establish a merchant cash advance agreement with a lender that takes a portion of credit card product sales in exchange for a lump sum of cash upfront.

When a reasonable agreement is reached, the cash is handed over to the business so that they can spend it on whatever they need, while the lender is confident that they will be paid back entirely in a reasonable time frame, plus fees.

There is often confusion between business loans and merchant cash advances, and the main difference is the interest rate and the repayment requirements. A business loan usually requires relatively large interest rates and payment deadlines, where a merchant cash advance requires payments to be split and established at the moment that the credit card finalizes the purchase.

One of the really nice things about a merchant cash advance is that in most cases this form of an agreement benefits both parties for their individual needs. Lenders obviously want to make smart agreements that allow them to be paid back within a reasonable time frame, usually with a little extra so that it was all worth the while. Businesses often times need cash up front before launching a product so that they can improve their internal workflow and expand their entire company operation.

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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