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

Debt Statistics


Debt Statistics: An In-Depth Look at Consumer Debt in America

Consumer debt is on the rise in America. With the cost of living increasing and wages stagnant, many Americans are relying on credit cards, student loans, and other forms of debt just to make ends meet. At Delancey Street, we want to provide an in-depth look at the current debt statistics and trends impacting American consumers.

Total Consumer Debt

  • Total consumer debt in the U.S. reached $16.9 trillion at the end of 2022, up nearly $3 trillion since 2019
  • This includes mortgages, credit cards, student loans, auto loans, and other consumer debt
  • Consumer debt is higher than it was before the 2008 financial crisis

The average American household owes $155,622 in debt including mortgages. Without mortgages, the average debt per household is $94,735. 

Credit Card Debt

  • Americans owe $986 billion in credit card debt as of early 2023
  • The average credit card debt per household is $8,984
  • The average credit card interest rate is 19.04% APR as of August 2022

Younger generations are relying more on credit cards to make ends meet:

  • Gen Z’s average credit card debt is $2,379
  • Millennials’ average is $7,450
  • Gen X’s average is $8,208

Student Loan Debt

Student loans make up a large portion of consumer debt owed by younger Americans.

  • Total student loan debt nationwide stands at $1.77 trillion
  • Average student loan debt upon graduation is $30,000 for a bachelor’s degree

The COVID-19 pandemic pause on student loan payments helped some borrowers improve their finances. But payments are set to resume in 2023, which could put strain on budgets.

Auto Loans

Americans owe over $1.5 trillion in auto loan debt as of early 2023. 

Key statistics:

  • Average monthly auto loan payment: $599
  • Average auto loan interest rate: 7.21% as of Q3 2022
  • Average amount financed for a new car: $40,290

Medical Debt

Medical debt is a major financial burden, with $88 billion owed on consumer credit reports according to the CFPB.

  • 1 in 5 credit reports show medical debt
  • Average medical debt of $2,000 can take up to 3 years to pay off

High deductible health plans and surprise medical bills contribute to this debt burden.

Debt Demographics

Debt impacts some demographics more than others. For example:

  • Black Americans have higher average student loan debt at $52,000 vs. $28,000 for white graduates
  • Households with children have 14-51% more debt than average
  • Single parents have higher debt levels than married couples

Understanding these debt statistics can help consumers make smart borrowing decisions. At Delancey Street, we want to provide financial education along with responsible lending options to help Americans reach their goals. Reach out today to learn more about how we can help you manage debt and improve your finances.

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.
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Delancey Street understands funding like no one else!
Steven Norris
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If you have questions, feel free to shoot us an email, or fill out our live chat.

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