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

Travel Agency Merchant Account

A merchant cash advance is a form of funding available to businesses. This type of funding is based on your future credit card sales. A lump sum of working capital is given to a business owner in exchange for a portion of future credit card transactions. In other words, you’re selling your future card sales for capital.

Merchant cash advances are perfectly suited to business owners who are unable to obtain a loan from a traditional source due to poor credit history. You might turn to a business cash advance if you need to get access to working capital quickly.

Benefits of a Merchant Cash Advance

No Credit or Collateral Required: Unlike a traditional business loan, you do not need good credit and you don’t need collateral in order to get funding. A merchant cash advance is a is a sales agreement or sales transaction, so it is not listed on credit reports.

High Approval Rate: Approval for merchant funding is based on business performance rather than time in business, personal credit or financial history.

Fast Funding: A merchant cash advance is one of the fastest funding options available. Once you’re approved, you can have money in your bank account just a few days.

Simple “No Hassle” Payback: There is no fixed monthly payment. With a merchant cash advance, you do not need to write a check every week or month, your payments are automatically deducted from your credit card processor or bank account.

Revenue Based Repayment: With a merchant cash advance, the funding company gets paid when you get paid. The company gets a percentage of your sales, so if sales are slow you pay back less, if you make more sales, you pay back more. With this flexible structure, you will always be able to afford the payments.

How a Merchant Cash Advance Works

As a business owner, you will make an agreement with the merchant cash advance provider regarding the term of the advance, including the advance amount, payback amount and holdback. Once you have an agreement, the advance is transferred to your bank account in exchange for a percentage of your future credit card sales.

Each day, the agreed upon percentage of your business’s daily credit card revenue are remitted to the merchant cash advance provider. This is will continue until they recover the advance. Your payments fluctuate based on your business’s sales. Access to your merchant account eliminates the need for collateral, which is a requirement by traditional lenders.

Because repayment is based upon a set percentage of your credit card sales, the more credit card sales your business makes, the faster you’re able to pay back the advance. And, if sales slow and income drop, so do the payments to the merchant cash advance provider. This means that during times of slow business, your payback is relative to your incoming cash flow.

If a Merchant Cash Advance Right for Your Business?

It makes sense for you to use a merchant cash advance if you need access to working capital quickly. It is a great option when you need to take advantage of an opportunity to buy inventory at a discount, purchase updated equipment, or a special marketing opportunity. And, because there are no stringent credit requirements, it could be an option for you if have a lot of credit card sales but might have poor credit.

How To Apply For A Merchant Cash Advance

Applying for a merchant cash advance is a simple process. There are no time-consuming credit checks and no complicated requirements. You do not need to step out of your office or store in order to submit an application. You can fill out an application online without hassles.

When you apply for a merchant cash advance, you will be required to provide specific documentation and information pertaining to your business, such as your:

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

Once you submit this information, you can get a response within a few days. You can have funds deposited into your business bank account within a few days after approval. It is a good idea to have your documents and information ready before submitting an application.

Summing Up

A merchant cash advance is the preferred option for many businesses to obtain funding and often has the highest approval rate. For business owners that need working capital, a merchant cash advance may be a worthwhile option to consider.

A merchant cash advance is typically fast, but it is often an expensive business financing option when seeking working capital.

Before finalizing the transaction, it is crucial that you review the terms and conditions of the agreement so you will be able to make an informed decision about whether or not this type of financing makes sense to meet your needs.

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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