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

High Risk Merchant Accounts and Credit Card Processing

High Risk Merchant Cash Advance

A merchant cash advance is an alternative business financing option for companies that have a large volume of credit card transactions. Your business receives financing upfront and repays the advance with a percentage of your daily sales.

Merchant cash advance providers assess risk and evaluate credit criteria differently than a traditional lender. A merchant cash advance company looks at your business’ daily credit card transactions to determine if you can repay the funds according to the payment schedule. Basically, the merchant cash advance provider agrees to provide you with a lump sum of money in exchange for a portion of your daily credit and debit card sales.

Merchant cash advances are a good option for business owners that need a temporary cashflow solution for those who may not qualify for a traditional bank loan. It’s typically fast, but it can be an expensive business financing option.

There are several reasons why a merchant cash advance is a great funding alternative for businesses:

Bad Credit is Often Accepted. Traditional lenders are very strict and can deny you a loan due to a bad credit record. This can prevent you from obtaining funding for your project or business. However, one of the benefits of using a merchant cash advance as a funding source is that applicants with a bad credit history can still be approved, even if they have a low credit score.

The Approval Rate is High. Getting a small business loan from a traditional source can be a hassle. The process often involves extensive documentation, complicated contracts, and other stringent requirements. Since merchant cash advances do not require a perfect credit score or great financial history, it has a high approval rate.

No Collateral is Needed. Another advantage of a merchant advance is that it is not a loan; it is an alternative funding option separate from traditional bank loans. Because of this, it does not require collateral and the transaction does not show on credit reports.

Application Process is Fast and Easy. A traditional loan can take several weeks to finally be processed. With a merchant cash advance, you can get access to funding within the same week that you submit the application.

Simple and Hassle-Free Repayment. In addition to having a simple and hassle-free application process, a merchant cash advance also involves a very simple repayment process. Your payments fluctuate based on your daily sales. Meaning, when you have more sales the payback amount will be more, and when sales are slow you will pay back less. This revenue-based repayment plan allows a business to grow instead of draining its resources.

Who Qualifies

Merchant cash advance companies are typically more concerned with a business’ current cash flow than its future profitability. This means, if you have a consistent cash flow, you might be able to qualify for a cash advance regardless of your credit score, how long you have been in business or other business factors.

Merchant cash advances are ideal for a wide range of businesses, such as retail shops or restaurants whose revenue comes primarily from credit and debit card sales. There are no time-consuming credit checks and no rigid repayment plans. A merchant cash advance is well suited to any company that receives the majority of its payments by card.

A merchant cash advance can help with:

. Equipment needs
. Inventory Purchases
. Short-term capital needs
. Marketing opportunities
. And more!

How To Apply

A business can apply for and obtain funds from a merchant cash advance company within a few days. The application process for a merchant cash advance is simple.

Most merchant cash advance providers offer a quick and easy online application. Unlike traditional business loans, the application process for a merchant cash advance can be completed quickly.

You do not need to drive all over town trying to find a loan office to submit an office. You can simply go online and fill out the simple application, right from the comfort of your own home or office.

You only need the following items to get started:

Credit Card Processing Statements
Business Bank Statements
Years in Business
Business Tax Return

If you want to get access to your merchant cash advance as quickly as possible, it is advisable to have these documents ready prior to submitting an application.

Summing Up

If your business needs funding quickly, you can take advantage of the quick and easy application process. With a merchant cash advance, you could get upfront working capital in exchange for a percentage of future sales.

But before finalizing the transaction, it is imperative that you carefully go over the contract, including the cost of the money and the repayment term. Reading the terms and conditions of the agreement will enable you to make an informed decision about whether or not getting a merchant cash advance is right for your situation.

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

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