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 Account Canada

Canada Merchant Cash Advance

Being a business owner is a lot of work, and you never stop thinking about the future. Will your business grow? How can you ensure you get your business to place you want? Are you making the right decisions? Can you do something to help grow right now? There is rarely a right or wrong answer, but you know that having additional capital can help you grow your business. By having the funds on hand to make purchases, hire new people, and make big decisions, you know you can help your business grow larger and more profitable. The problem is many small businesses simply do not have the funds to grow right away. It can be an endless cycle of feeling stuck. You can grow and make more money, but you have to have money to help you do that. When does this end?

Finding Funds

Finding funds as a small business owner should be easier, but it’s often difficult. You can find investors, but many investors are uninterested in a small business without so much growth potential they cannot make millions of dollars a year. There are small business loans, but many lenders are unwilling to lend money to small businesses that have not been in business very long. You need to have an established business history. You need a good business credit score. You also need a good personal credit score. You need to be able to show a comprehensive and very detailed business plan that outlines how you will use the loan you’re applying for to grow and make more money. If a lender is unable to see your vision the same way you see it, they can tell you they’re not lending you the money.

What happens when you cannot get a small business loan to help you grow? You’re out of luck, right? Wrong. You have other options. There is a way to find money right away, and it’s called a merchant cash advance. You can have the money you need to grow your business in your bank account in as little as two business days from the time you submit your application. It’s an expensive form of borrowing, but it can be exactly the second chance you need.

What is A Merchant Cash Advance?

It’s not a loan. There is no underwriting process, but that’s a good thing. You don’t have to provide nearly as much paperwork, which saves you a significant amount of time when you’re waiting on the funds you need to grow your business. You also get your funds much faster. Most are funded in only a few business days, which means you’re not waiting six weeks or longer to have access to the money you need to pay your business bills.

It’s not a loan, which also means you’re not paying it back over the course of many years. Loans come with a monthly payment in a set amount. This is not a loan that comes along with a set amount. You do not repay once a month a certain dollar amount or more to pay off your loan faster. Merchant cash advance repayments are made every day. The lender takes a portion of all your credit card and debit card sales and uses those to make daily payments via ACH to your bank. This means you’re getting the money you need, but they are getting it back faster.

A merchant cash advance doesn’t take years to pay off, and you can afford the payments each day even when your sales are slow. Your interest rate dictates the dollar amount you pay back each day. That rate is from your sales only. If you have a slow sales day, you have a lower payment day. This is why it might take anywhere from three months to a full year to make your repayments. If you make a lot of sales, you can pay off your cash advance a lot faster.

The one thing you must be careful of, however, is the fact that it rarely pays to pay off this kind of advance earl. You won’t find yourself saving money on interest. You still pay that regardless of the amount of time it takes you to pay off the advance.

If you’re unsure if this is the right way for you to borrow, consider your options. If you don’t have the time to wait to fund a loan, you can get money in your pocket in as little as a few days. If you have a bad credit score, you can get money in your pocket regardless. Your rate will be higher, and you must be able to repay the advance or risk needing to borrow more money to make payments. If you can use this money wisely, it’s a wise decision to use it as an investment.

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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