Here's Who We Are

We're Fund Virtually Everything

We fund business owners nationwide, regardless of industry, credit, or time in business. We fund it all.

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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 Business Loans Funded

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

California GCFS Debt Settlement

Debt can feel like a dark cloud hanging over your head. If you’re struggling under the weight of high interest credit cards or other unsecured debt, debt settlement may sound like the perfect solution. However, the debt settlement industry in California has historically been plagued by bad actors charging illegal fees and failing to deliver results.At Delancey Street, we’re dedicated to helping consumers like you find healthy solutions to debt, whether it’s through debt settlement or other means. We know this can be a confusing process, so let’s walk through the basics of how debt settlement works, your rights as a California consumer, and what to watch out for when choosing a provider.

How Does Debt Settlement Work?

Debt settlement involves working with creditors to settle your debts for less than the full amount owed. The process typically works like this:

  • You stop making payments to your creditors and instead make monthly payments into a dedicated settlement account. This helps you save up a lump sum to make settlement offers.
  • The debt settlement company negotiates with your creditors to settle debts, usually for 30-60% of what you owe. Creditors agree to settlements because they’d rather get a portion of the debt than risk getting nothing.
  • Once a settlement is reached, the lump sum is paid from your settlement account to the creditor and the account is considered settled.

Debt settlement can seem appealing because it reduces what you owe. However, it also comes with risks, which is why California has specific laws regulating debt settlement companies.

California Debt Settlement Laws

In 2021, California enacted the Fair Debt Settlement Practices Act to establish consumer protections around debt settlement


. Here are some key things to know:

  • No Upfront Fees: Debt settlement companies cannot collect any fees until after they’ve settled at least one of your debts. This prevents companies from taking your money without providing results


  • Disclosures: Companies must provide you with detailed disclosures about the debt settlement process, risks and alternatives before signing a contract


  • Monthly Statements: You must receive monthly statements detailing funds collected and settlements made


  • Cancellation: You can cancel without penalty within the first 10 days, and cancel anytime if the company violates the law


These laws prevent many of the worst abuses by debt settlement companies. Always check that a provider follows California regulations.

What to Watch Out For

While there are legitimate debt settlement providers, many misleading companies still exist. Watch out for:

  • Upfront fees – A huge red flag. No company can legally collect fees before settling debts.
  • Overpromising – No debt relief method can guarantee results or make debt disappear. Beware unrealistic claims.
  • Pressure to stop paying – Ethical companies let you decide when to stop payments. Don’t let a company damage your credit.
  • Lack of licenses – Legitimate debt settlement companies must be licensed in California. Verify licenses.
  • Unresolved complaints – Check the company’s BBB rating and online reviews. Many unhappy customers? Proceed with caution.

Protect yourself by thoroughly vetting any debt settlement company before signing up.

Is Debt Settlement Right For You?

Debt settlement can be a viable option for some California consumers struggling with unsecured debt like credit cards. It’s best suited for those who:

  • Owe $7,500 or more in unsecured debt
  • Have experienced a hardship and can’t continue minimum payments
  • Have funds available to save for settlements
  • Understand the credit score implications

However, it’s not a magic bullet. Your credit score will drop when you stop payments. And if you don’t save enough to make settlement offers, you may end up worse off.Alternatives like debt management plans or bankruptcy may be better options depending on your situation. As an impartial financial advisor, we’ll help you review all of your debt relief options to find the right solution for your needs.

Partnering With a Debt Specialist

Navigating debt settlement yourself is extremely difficult. At Delancey Street, our dedicated debt specialists have negotiated thousands of settlements totaling over $200 million in savings for our clients.We are fully compliant with all California debt settlement laws. We never charge upfront fees, and our average client saves 50% off their debt through our programs.If you’re struggling with high interest credit card balances or other unsecured debt, contact us for a free consultation. We’ll walk you through your options and help determine if debt settlement, debt consolidation, or another path is your best route to becoming debt-free.With customized debt relief solutions and ethical, compassionate service, Delancey Street can help you finally resolve your debt and achieve financial peace of mind. Don’t wait – reach out today and start your journey to freedom from debt.

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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.

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In The Media

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