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 Volume Merchant Accounts and Credit Card Processing

High Volume Merchant Cash Advance

Business owners are bound to face situations where they’ll need an immediate funding solution. Cash is very important for a business because it is needed for maintaining inventory, paying suppliers and business growth.

Merchant cash advances are one of the alternative choices to consider when you’re in dire need of funds for your business. A merchant cash advance can be used by businesses for getting out of a tight situation.

In merchant cash advance financing, you can receive a lump sum of working capital from a cash advance company in exchange for a certain amount of your business’ future credit card sales. It allows you to finance future sales and get funded quickly.

There are plenty of benefits to utilizing a merchant cash advance as your financing option:

. Fast Applications and Collections
. No Need for Credit or Collateral
. Fast Cash Access
. High Approval Rate
. Collections Based on Revenue

Who Should Consider a Merchant Cash Advance?

Merchant cash advances are typically used by businesses that need fast access to cash and have a steady credit card and debit card transactions. Retailers and restaurants are some of the types of businesses that would be appropriate candidates.

Merchant cash advances may also perfectly suit newer businesses that have sufficient credit card transactions but haven’t been operating long enough to establish a solid credit history.

Like business loans, funding from cash advance providers can be used for a variety of business expenses, including advertising and marketing, purchasing inventory, purchasing equipment, renovating or expanding, and more.

Quick And Easy Application Process

Applying for a merchant cash advance is quick and easy. The online application process makes it quick and easy to apply for a merchant cash advance and get a response.

A traditional loan can take several weeks or even months until being processed, but the merchant cash advance funding is usually quick. This is an important benefit when immediate access to funding is needed.

Unlike a traditional loan, there are no complicated application processes or time-consuming credit checks involved.

You simply go online and provide the required information. It shouldn’t take long to complete and provide specific documentation pertaining to your business. Most merchant cash advance providers respond within a few days.

Documents you need:

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

As mentioned above, cash advance lenders can make a decision within hours and give you access to the funds within a matter of days. That’s certainly an advantage if you need money in a hurry to cover payroll or an unforeseen business expense.

How It Works

An agreement is made between the business owner and the merchant cash advance lender regarding the term of the advance, advance amount, payback amount and holdback. After an agreement has been reached, the fund is transferred to the business owner’s bank account in exchange for a future portion or percentage of credit card receipts.

Most merchant cash advance providers do not consider their transactions to be a business loan, but rather an advance based on your future sales. To determine how much cash to provide, funding companies review your information and documents, including banks statements, credit card sales, and commercial sales. With these reports, they have an idea of your future sales potential.

Paying back the funds

Repayment is made easy via auto debit through the merchant account. Once the funds are provided to you, a percentage of your daily credit card sales will be automatically deducted from your credit card processor or bank account. You only pay when you make sales, and each day, you simply pay back a percentage of the amount you make.

A big problem with traditional bank loans is that when you don’t make sales, you will have problems paying back the loan. With the merchant cash advance, you do not have this problem since you make payment only when you make money. Payments can fluctuate along with your credit card sales volume, which means you won’t be stuck with a payment amount you cannot handle. Usually, the payback period for a merchant cash advance ranges from 3 months to 15 months.

Summing Up

You should be aware that a merchant cash advance is more expensive than a traditional small business loan, but it is a quick, easy way to get access to working capital even with poor credit or no collateral. If you don’t want to waste valuable time going through the complicated process and hassles of applying for a traditional loan, a merchant cash advance is an option to explore.

But before you finalize the transaction, it is very important that you carefully go over the cash advance contract. It is crucial that you understand the details regarding the payback amount and term and conditions of the cash advance.

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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