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.

Apply Now

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

How Credit Card Consolidation Works


Credit card debt can feel overwhelming, especially when you have multiple cards with high interest rates. If you’re struggling to pay off your credit card balances each month, consolidating your debt may help simplify your finances and reduce interest costs.Here’s an overview of how credit card consolidation works and some of the most common methods to consolidate debt:

What Is Credit Card Consolidation?

Credit card consolidation involves combining multiple credit card balances into one new loan or account. The goal is to simplify payments by having just one monthly bill to pay instead of many. Consolidating can also help you save money on interest if you qualify for a lower rate on the new loan.Some common ways to consolidate credit card debt include:

  • Balance transfer credit cards
  • Personal loans
  • Credit card consolidation loans
  • Home equity loans/lines of credit
  • 401(k) loans
  • Debt management plans

Balance Transfer Credit Cards

One of the most popular ways to consolidate credit card debt is with a balance transfer card. These cards allow you to transfer balances from other credit cards onto the new card. Many offer a 0% intro APR on transfers for 12-21 months.During the intro period, you can pay down your debt without accruing new interest charges. Just be sure to pay off the full transfer balance before the intro APR ends – otherwise interest will kick in. Balance transfer cards typically charge a one-time balance transfer fee of 3-5% of the amount transferred.To qualify for a balance transfer card, you’ll generally need good to excellent credit (690+ credit score). Compare cards to find the longest 0% intro APR periods and lowest balance transfer fees.

Personal Loans

Personal loans allow you to consolidate multiple debts into one fixed-rate installment loan. Interest rates on personal loans for credit card consolidation are often lower than typical credit card rates.Banks, credit unions, and online lenders offer personal loans. Credit unions and online lenders often offer the most competitive rates – especially for borrowers with fair credit or lower scores.A benefit of personal loans is that the lender will send loan funds directly to your creditors after approval. This simplifies the consolidation process. Make sure to comparison shop lenders to find the lowest rates and best terms.

Credit Card Consolidation Loans

Similar to personal loans, credit card consolidation loans combine multiple credit card debts into one new loan. The goal is to save on interest and simplify your monthly payments.These loans are specifically designed for credit card consolidation, versus general purpose personal loans. Some lenders may offer discounted rates or other benefits if you use loan funds to pay off credit card debt.As with personal loans, the lender will distribute loan funds to your creditors after approval. To qualify for the lowest rates, you’ll need good to excellent credit. Shop and compare offers from multiple lenders.

Home Equity Loans/Lines of Credit

Borrowing against home equity is another way to consolidate credit card debt into one monthly payment. Home equity loans provide a lump sum, while HELOCs give you access to a revolving credit line.Interest rates are often lower compared to other consolidation options. However, failure to repay could put your home at risk of foreclosure. Home equity borrowing also involves fees and closing costs.This approach works best for homeowners with significant equity and a good credit score. Use our home equity calculator to estimate potential costs.

401(k) Loans

Borrowing from your 401(k) retirement savings is generally not recommended for consolidating credit card debt. While you avoid credit checks and qualifying, you lose retirement savings growth and may have to pay back the loan quickly if you leave your job.This approach only makes sense in certain cases, like if you can get a very low interest rate from your 401(k) plan and pay the loan back quickly. Consult a financial advisor before borrowing retirement funds.

Debt Management Plans (DMPs)

Debt management plans allow you to consolidate credit card bills into one payment through a credit counseling agency. The agency negotiates with your creditors to reduce interest rates and waive fees.You make one monthly deposit to the agency, which distributes payments to your creditors. DMPs work best for those with high credit card debt and lower credit scores. There is typically an enrollment fee and monthly service charge.

Tips for Successful Credit Card Consolidation

If you decide to consolidate your credit card debt, here are some tips to make it work:

  • Compare interest rates – Make sure the new loan or account has a lower rate than your current debts to maximize savings.
  • Watch out for fees – Balance transfer cards and loans may charge one-time fees. Factor these into the total cost.
  • Automate payments – Set up autopay from your bank account to avoid missed payments and late fees.
  • Don’t rack up new debt – Avoid charging more to your cards while paying off your consolidation loan.
  • Pay more than the minimum – Make extra payments when possible to pay off your balance faster and save on interest.
  • Improve financial habits – Consolidation provides temporary relief – improve money management habits to avoid future debt.
  • Have a payoff plan – Make a detailed plan to track your progress and ensure you’re on track to become debt-free.

Pros and Cons of Credit Card Consolidation

Consolidating your credit card debt can make managing your finances simpler, but it’s not ideal for everyone. Consider the key pros and cons:Pros

  • Lower interest rate saves money
  • Simpler to make one monthly payment
  • Fixed payment schedule helps with budgeting
  • Direct payoff of debts simplifies process
  • May improve credit score over time


  • Credit score may drop initially
  • Loan approval not guaranteed, depends on credit
  • Fees for balance transfers or loans
  • Temptation to rack up new credit card debt
  • Loan terms may extend payoff period

Carefully weigh the pros and cons for your unique situation before pursuing credit card consolidation.

Alternatives to Balance Transfers and Loans

If you don’t qualify for a balance transfer card or loan due to credit issues, here are a couple alternatives to consider:

  • Credit counseling – Reputable nonprofit credit counseling agencies can help you manage debt and negotiate lower interest rates and waived fees with creditors.
  • Debt settlement – Debt settlement companies negotiate directly with your creditors to settle accounts for less than you owe. This does damage your credit score and not all debts may qualify.
  • Bankruptcy – Filing for Chapter 7 or Chapter 13 bankruptcy immediately stops collections and wipes eligible debts, but severely damages your credit for years.
  • Budgeting and money management – For some, the best approach is developing a budget, tracking spending diligently, cutting unnecessary costs, and funneling all extra income toward credit card bills.

Credit counseling can provide guidance on budgeting and strategies for tackling debt based on your unique situation.

Maintaining Financial Health After Consolidation

The relief provided by credit card consolidation is only temporary unless you make changes to manage your finances responsibly moving forward. Here are some tips:

  • Build an emergency fund of 3-6 months’ expenses so you aren’t forced to rely on credit cards again in a financial pinch.
  • Use a budgeting app to closely track where your money is going each month. Identify areas to cut spending.
  • Make payments on all accounts on time each month to maintain good credit.
  • Avoid charging more than you can pay off on credit cards each month.
  • Increase your income with a side gig if possible to put more toward debt repayment and savings.
  • Contribute to retirement accounts like a 401(k) or IRA while paying off debt to keep your long-term goals on track.

Consolidating high-interest credit card debt can provide much-needed relief, especially if you qualify for a lower interest rate. But lasting change requires diligently monitoring your finances, developing smart money management habits, and avoiding reliance on credit cards moving forward. With discipline, consolidation can be the first step to achieving long-term financial health.

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.
Get Out of Debt
Credit Card Debt Relief
Marital Debt Relief

Managing Marital Debt: Strategies for Financial Freedom Marriage can be…

Private Student Loan Debt Relief

Managing Private Student Loan Debt: Options for Relief Private student…

Veteran Debt Relief

Helping Veterans Find Financial Freedom Being a veteran comes with…

Delancey Street understands funding like no one else!
Steven Norris
Get Funding Today

Ready To Get Started?

If you have questions, feel free to shoot us an email, or fill out our live chat.

Apply Now