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

Managing Debt and Bills



Managing Debt and Bills: A Guide for Taking Control of Your Finances

Dealing with debt and bills can be overwhelming. Many of us struggle to keep up with payments, avoid late fees, and reduce balances. However, with some planning and discipline, you can take control of your finances and start reducing your debt. This article provides tips on budgeting, prioritizing payments, negotiating with creditors, understanding your rights, and more.

Budgeting – The First Step

Creating a budget is essential for managing your income and expenses. A budget helps you align spending with your values and goals. To start:

  • List your net monthly income. This is your take-home pay after taxes and deductions. Include income from all sources.
  • Make a list of fixed monthly expenses like rent, car payments, insurance, etc.
  • List variable expenses like groceries, gas, dining out, etc. Use averages based on past spending.
  • Total all expenses and compare to your net income. Can you cover all expenses? If not, adjustments will be needed.
  • Use free budgeting apps like Mint or spreadsheets to track spending. This helps identify waste and create a realistic budget.

Sticking to a budget takes discipline but gets easier over time. Build budgets around needs rather than wants, and allow flexibility for unexpected expenses. Live below your means and save money where possible.

Prioritizing Payments

With limited funds, you may need to prioritize which bills to pay each month. Financial experts recommend this order:

  1. Housing – Rent or mortgage payments to avoid eviction/foreclosure.
  2. Utilities – Electricity, gas, water, etc. Keep services active.
  3. Food – Groceries and basic needs. Use food banks if needed.
  4. Transportation – Car payments, insurance, gas to commute to work.
  5. Child care – Payments to allow you to work.
  6. Minimum loan payments – Pay at least the minimum on loans.
  7. Credit cards – Try to pay more than the minimum if possible.
  8. Non-essentials – Gym memberships, cable TV, etc. Pause these if needed.

Pay essentials first, then make minimum payments on all debts to avoid late fees and damage to your credit. Pay down highest interest debts first when possible.

Communicating with Creditors

Contact all creditors immediately if you anticipate payment issues. Explain the situation and try to negotiate more favorable terms. Key steps:

  • Call as soon as you foresee a problem, before missing a payment.
  • Ask about hardship programs or short-term arrangements. For example, some creditors may allow smaller payments for a few months.
  • Explain your situation calmly and honestly. Have a plan to get back on track.
  • Get any agreed upon terms in writing. Keep notes from conversations.
  • Avoid promises you can’t keep. Don’t agree to payments you can’t afford.
  • Be persistent and escalate to supervisors if needed until you reach an agreement.
  • Contact creditors again if your situation changes.

Communication, documentation and persistence are vital when negotiating with creditors. Most want to help avoid defaults if possible.

Debt Management Plans

If you have high credit card balances with multiple creditors, a Debt Management Plan (DMP) may help consolidate payments. Here’s how they work:

  • Work with a credit counseling agency to set up a DMP. They negotiate with your creditors.
  • You make one monthly payment to the agency. They disburse funds to creditors.
  • Creditors may agree to lower or waive interest rates and fees.
  • The agency provides education and support.
  • Expect a monthly fee for their services. Compare agencies.

DMPs can simplify payments and reduce interest costs. They may have a small negative impact on your credit initially. Research agencies thoroughly before signing up. Make sure funds are disbursed on time.

Debt Consolidation Loans

Debt consolidation loans allow you to roll multiple debts into one new loan, often with a lower monthly payment. Two common options:

Home Equity Loan

  • Uses your home equity as collateral
  • Interest may be tax deductible
  • Risks your home if you default

Personal Consolidation Loan

  • Unsecured loan based on creditworthiness
  • Fixed interest rate
  • Easier to qualify than home equity loan

The major benefit of consolidation loans is simplifying multiple payments into one lower monthly amount. Be cautious of extending loan terms too long, or borrowing more than you need to consolidate. Do the math to ensure it saves money after fees and interest.

Managing Medical Debt

Medical debt is challenging to manage because health issues arise unexpectedly. Hospitals and doctors may offer financial assistance or payment plans for those in need. When dealing with medical debt:

  • Request an itemized bill and confirm you were properly billed for each service. Look for errors.
  • Ask if the provider has financial assistance or a hardship program. This may reduce or eliminate the debt.
  • Negotiate a payment plan that works with your budget. Get terms in writing.
  • Avoid using credit cards or financing offers to pay medical bills. Their interest rates are usually exorbitant.
  • If necessary, prioritize medical debt below utilities, food, and housing payments until you get back on your feet.

Medical providers understand emergencies create financial hardships. With patience and persistence, you can often negotiate medical debt into an affordable payment plan.

Avoiding Predatory Lenders

When cash-strapped, it can be tempting to turn to predatory lenders who market loans targeting those with poor credit. Avoid lenders who:

  • Offer quick cash with no credit check
  • Push unnecessary products like credit insurance
  • Require access to your bank account
  • Charge very high interest rates and fees
  • Use aggressive collection tactics
  • Don’t clearly disclose all terms and conditions
  • Encourage repeated loan renewals

These predatory practices create cycles of debt for struggling borrowers. They should be avoided at all costs. Predatory lenders thrive when people are desperate.

Seeking Legal Protection

If you are unable to pay debts and creditors refuse to negotiate, you may need legal protection:


  • Declares you are unable to repay debts. Multiple types available.
  • Stops collections and garnishments.
  • Liquidates assets or restructures debts.
  • Significant negative impact on credit.

Debt Settlement

  • Company negotiates to pay creditors a percentage of what is owed.
  • Must have funds available for large upfront settlement payments.
  • Fees are hefty. There are credit impacts.

Credit Counseling

  • Non-profit agencies provide education and assistance.
  • Help create budgets, negotiate with creditors.
  • Offer debt management plans (see above).
  • Little upfront cost but monthly fees.

Each option has pros and cons. Consult a non-profit credit counselor first. Evaluate all alternatives before deciding on bankruptcy or settlement.

Other Tips and Resources

  • Review spending each month and look for opportunities to save – lower cell phone plans, eliminate unused subscriptions, etc. Every dollar counts.
  • Increase income with a side gig if possible. Some options are ride sharing, tutoring, freelance work, etc.
  • Use cash for discretionary purchases. Studies show people spend less with cash vs cards.
  • Consider selling assets like extra vehicles, boats, RV’s, valuables, etc. and applying funds to debt.
  • Review tax returns – changes in dependents, deductions, income may provide tax savings.
  • Search online for local non-profit credit counseling services. Many offer free assistance and classes.
  • If laid off from a job, apply immediately for unemployment benefits for temporary income.
  • Take advantage of assistance programs like SNAP, TANF, Medicaid if you qualify. Every bit helps.
  • Communicate with family and friends if you need help. Don’t try to handle it all alone.

Debt can feel overwhelming but taking control of your finances is possible. Create a realistic budget, make difficult spending decisions, negotiate with creditors, and get professional help when needed. With commitment and patience, you can reduce debt and reach financial stability.


How to Create a Budget – NerdWallet

Prioritizing Debt: The Best Way to Pay Off What You Owe – NerdWallet

What to Do If You Can’t Pay Your Bills This Month – Experian

Debt Management Plan (DMP)

Debt Consolidation Loans – Consumer Financial Protection Bureau

Medical Debt: What You Need to Know –

How To Avoid Predatory Lenders – Forbes Advisor

Options for Consumers With Credit Card Debt – Consumer Financial Protection Bureau


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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