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

Dealing with Debt Collectors



Dealing with Debt Collectors

Falling behind on your debts can be incredibly stressful. If you find yourself being contacted by debt collectors, it’s important to understand your rights and the laws that protect you. This article will provide tips and advice for dealing with debt collectors in a constructive way.

Know the Laws

There are federal and state laws that limit what debt collectors can say or do when trying to collect a debt. The main law is the Fair Debt Collection Practices Act (FDCPA) [1]. This law prohibits debt collectors from using abusive, deceptive, or unfair practices. Some key protections include:

  • Limits on when and how collectors can contact you, like no calls before 8am or after 9pm[1]
  • Prohibits harassment, threats, or repeated phone calls intended to annoy[1]
  • Once you notify them you refuse to pay or want no further contact, they must stop contacting you (with a few exceptions) [1]
  • If you have an attorney, they must contact the attorney rather than you[1]

Many states also have their own debt collection laws that provide additional protections[2]. It’s a good idea to lookup the specific laws in your state.

Keep Records of All Communication

Keep detailed records of any letters, phone calls, or other communication you receive from debt collectors. Note the dates, times, names of people you spoke with, and details about what was discussed[3]. This documentation can help if you need to dispute the debt or take legal action down the road.

Dispute Debts You Don’t Owe

If a collector contacts you about a debt you don’t believe you owe, don’t ignore them. Send them a letter within 30 days explaining why you dispute the debt and request verification of the debt[2]. The collector must then cease collection efforts until they provide proof you actually owe the amount they claim.

You can find sample dispute letters online or consult a lawyer to help draft one[3]. Send dispute letters by certified mail and request a return receipt so you have proof they received it.

Don’t Share Too Much Information

When collectors call, don’t volunteer more info then needed. Confirm your name and mailing address but don’t offer up other personal or financial details. Be polite but firm and say you cannot discuss the debt until you receive written verification.

Know Your Options for Legal Action

If collectors cross the line and violate the FDCPA or state laws, you have the right to take legal action[4]. You can file complaints with government agencies like the Consumer Financial Protection Bureau[3]. You also have the option to sue the debt collector yourself. If you win, you may be awarded up to $1,000 in damages plus compensation for actual harm caused[3].

It’s a good idea to discuss your case with a consumer lawyer to understand all your options. There are lawyers who specialize in FDCPA cases.

Consider Carefully Before Paying

Even if a debt is legitimate, think carefully before making any payments. In many cases, the collector may no longer have the legal right to sue you for an old debt due to the statute of limitations[5]. Paying even a portion can restart the clock, allowing them to sue. Get advice from a legal aid lawyer before paying debts that are several years old.

Set Up Payment Plans You Can Afford

If you confirm you do owe money and want to take responsibility, ask the collector if they can set up affordable payment arrangements. Get any proposed agreements in writing before making payments. Be realistic about what you can pay each month.

Explore Debt Settlements

For very old debts you couldn’t pay due to financial hardship, you may be able to negotiate a settlement for less then the full amount owed[6]. This involves making a lump-sum payment in exchange for the collector agreeing to consider the debt paid in full. Get any settlement offers in writing before sending payment.

Consider Bankruptcy

For some people facing serious financial difficulties, filing for bankruptcy may be an option to discharge debts and get a fresh start[6]. This is a big decision that requires working with an experienced bankruptcy lawyer. They can help you understand if bankruptcy is right for your situation.

Dealing with debt collectors is stressful, but understanding your rights and options is empowering. Don’t hesitate to seek help from consumer advocates or legal aid organizations in your community. There are always constructive solutions for handling debt issues, even if collectors make exaggerated threats. Stay calm, know your protections under the law, and take control of the situation.

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
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$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
$250,000 Hard money Loan

In The Media

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Delancey Street CEO discusses the benefits of franchising on Forbes.
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