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

Can SBA garnish wages?


Can the SBA Garnish My Paycheck if I Default on a Loan?

Lots of folks take out loans from the Small Business Administration (SBA) to get their companies up and running. But what if you fall behind on payments? Can the SBA dip into your paycheck to get their money back? This is an important question if you ever struggle to pay off SBA financing.

The Short Answer

Yes, the SBA can garnish your wages if you default on one of their loans. After suing you and getting a court judgment, they can take up to 25% of your disposable earnings. This will sting if money’s already tight.

How SBA Wage Garnishment Works

The SBA can’t just grab part of your paycheck out of the blue. Here are the steps they gotta take first:

  1. You miss loan payments and default.
  2. The SBA sues you in court for the debt.
  3. The court enters a judgment in the SBA’s favor.
  4. The SBA serves a garnishment order on your employer.
  5. Your employer withholds and pays a portion of your earnings to the SBA.

This legal process can happen pretty fast if you ignore the SBA’s demands for payment. The judgment gives them the right to garnish your wages until the debt is settled.

How Much Can They Take from My Pay?

Federal law caps wage garnishment at 25% of your disposable earnings, which is your take-home pay after taxes. But state laws can set lower limits too.

So in a worst case, up to a quarter of your pay could get diverted to repay your SBA loan. That’s gonna sting if you’re already struggling financially.

Are Retirement Funds Safe from the SBA?

The SBA normally can’t garnish tax-deferred retirement accounts like 401(k)s without getting a special court order. Those funds are protected.

But they can seize regular payroll deductions you make to a retirement account. So your contributions wouldn’t be safe.

How to Prevent SBA Wage Garnishment

To keep the SBA away from your paycheck, avoid defaulting in the first place or act fast if you do. Some tips:

  • Ask the SBA about alternative repayment plans
  • Refinance or consolidate the loan to lower payments
  • Make partial payments to show good faith
  • Get experienced legal help responding to any lawsuits
  • File bankruptcy to pause collections, if that’s an option

The bottom line is you don’t want your pay getting docked by the SBA. Defaulting on their loans can lead to ongoing wage garnishment. So tread carefully when you borrow and take action quickly if you do default.


U.S. Small Business Administration, “Borrowers: Garnishment and Other Collection Actions”

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

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