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 to Get Out of Credit Card Debt Without Paying the Full Balance


How to Get Out of Credit Card Debt Without Paying the Full Balance

Credit card debt can feel like a heavy burden, especially if you’ve accumulated balances across multiple cards. According to the Federal Reserve, total revolving consumer credit card debt in the U.S. reached over $1 trillion in 2022. With interest and late fees, balances can quickly snowball out of control.

If you’re struggling with high credit card balances you can’t readily pay off, rest assured there are options to resolve your debt for less than the full amount owed. However, relief programs do come with trade-offs to consider carefully.

Ask Creditors for Relief

Your first step should be contacting your credit card companies directly. Many major issuers have hardship programs to help borrowers manage overwhelming debts.

For example, you may be able to get a temporary reduction in your interest rate, eliminating extra charges while you get back on your feet financially. You can also request an altered repayment schedule, spreading out payments over a longer period of time at lower monthly amounts.

Creditors may also agree to settle your account for less than the full balance if they believe it’s the only way to recoup a portion of what you owe. According to the Fair Debt Collection Practices Act, you have the right to request a validation of debts and settlement options.

Explore Debt Management Plans

Non-profit credit counseling services like GreenPath Financial Wellness and Money Management International can help you consolidate multiple credit card payments into one monthly payment through a debt management plan (DMP).

Counselors negotiate with creditors on your behalf to waive late fees, reduce interest rates, and create a payoff plan 2-5 years in length. However, credit damage or reduced access to credit cards may occur while enrolled in a DMP.

Consider Debt Settlement

Debt settlement firms like National Debt Relief promise to negotiate lump sum payoffs of a portion of your balances. However, you must allow accounts to fall delinquent to secure these deals.

The FTC warns debt settlement companies often take large fees upfront without settling any debts. Reputable firms charge only after settlements occur. Be aware settled debts may still be subject to taxes on the forgiven amounts.

Explore Bankruptcy Options

Filing for Chapter 7 or Chapter 13 bankruptcy immediately stops collections activity. With Chapter 7, eligible unsecured debts like credit cards can be discharged entirely. Chapter 13 allows a 3-5 year structured repayment plan before discharging remaining balances.

However, bankruptcy damages credit scores for years. Consult a bankruptcy attorney to assess if it’s the right debt relief solution for your situation.

Weigh the Pros and Cons of Relief Programs

Getting out of credit card debt for less than you owe does provide financial relief. But utilize caution when considering programs that suggest you simply stop making payments entirely.

While settlement firms boast “debt forgiveness,” remember creditors are ultimately waiving balances they believe to be uncollectible. Defaulting on payments allows accounts to be charged off and sold to debt buyers, who may sue for repayment.

Ethically resolving debts through open dialogue with creditors and certified counselors leads to the healthiest financial fresh start and protects your credit and legal rights.

With persistence and patience, there are legitimate options to reduce credit card burdens without adverse legal consequences. Seek help to negotiate the optimal solution for your unique situation.

Related Resources

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.

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$125,000 Small Business Loan
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