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

How do I settle my MCA?


How Do I Settle My Merchant Cash Advance?

Merchant cash advances provide quick access to capital for businesses, but the high costs and aggressive repayment terms can create financial stress. If you’ve taken out an MCA but are struggling to keep up with the daily payments deducted from your credit card sales, you may be looking for ways to settle your outstanding balance.

Understand MCA Repayment Terms

With a merchant cash advance, you receive a lump sum payment upfront in exchange for a fixed percentage of your future credit card sales. There is no set repayment schedule – instead, the MCA provider deducts a predetermined percentage of your daily credit card transactions until the full balance plus fees is repaid.

The total repayment amount is usually 1.2 to 2 times the original advance. Rates often equate to 50-100% APR or higher. Payments continue automatically until the full amount is collected by the provider.

Review Your MCA Agreement

Carefully review the terms of your merchant cash advance agreement, including:

  • Original advance amount
  • Fixed daily deduction percentage
  • Total repayment amount owed
  • Allowances for early repayment
  • Fees for late payments

Understanding these terms will help you calculate the remaining balance and determine if early settlement is possible. Look for any clauses about changing payment processors as well.

Attempt Early Repayment

Some MCA providers allow you to pay off the remaining balance early with no prepayment penalty. This requires you to come up with a lump sum for the remainder but lets you exit the agreement quickly.

Early repayment can be very difficult since access to capital was likely the reason for taking the MCA originally. But if at all possible, it can stop the daily deductions from your credit card sales.

Ask to Change Payment Processor

Since MCA payments are taken as a percentage of credit card transactions, you may be able to stop deductions by switching processors. This can buy you time to come up with funds for settlement.

However, your MCA agreement likely prohibits changing processors specifically to avoid payments. Doing so may trigger fees and penalties for breach of contract.

Attempt Refinancing

If eligible, you may be able to pay off your MCA balance by refinancing into another type of business financing with lower rates and longer repayment terms.

Options like business credit cards, SBA loans, or online installment loans can potentially help consolidate your MCA debt. This depends on your credit profile and ability to qualify.

Negotiate a Settlement

Rather than refinancing, you may be able to negotiate a lump sum settlement with your MCA provider for less than the remaining balance. They have incentive to settle rather than risk nonpayment through default.

Be transparent about your financial situation and ability to continue making daily payments. Have a clear settlement offer based on what you can afford.

File for Bankruptcy

As a last resort, filing Chapter 7 or Chapter 11 business bankruptcy may discharge your outstanding MCA debt. This has severe impacts on your business credit standing and operations.

Consult an attorney about the bankruptcy process and potential for the MCA provider to contest discharge of the debt. Be prepared for collections activity.

Accept Collections

If you are simply unable to make any further payments on your MCA, you will have to accept the consequences of default. The provider will send the unpaid balance to collections agencies.

This damages your business credit but may open the door for negotiating a reduced lump sum settlement with collectors. However, they will aggressively pursue the full balance.

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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Delancey Street understands funding like no one else!
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