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

New York City Personal Debt Relief and Personal Debt Settlement


New York City Personal Debt Relief and Settlement – A Friendly Guide

Living in New York City can be exciting, but also very expensive. Between high rents, cost of living, and temptations to spend, many New Yorkers struggle with overwhelming personal debt. If you’re facing credit card bills, medical bills, or other debts you can’t pay, there are solutions. This article will explain New York City debt relief and settlement options in a simple, friendly way.

Understanding Debt Settlement

Debt settlement is when a company negotiates with your creditors to pay a lump sum that is less than the total amount you owe. It sounds great, but there are risks:

  • Your debts and interest will increase during the program, since you stop paying creditors. This can take 2-3 years to settle all debts.
  • There is damage to your credit score that lasts for years.
  • Creditors may still sue you or try to collect.

The City warns debt settlement often fails, leaving you further in debt with fees paid to the company. Be very cautious before signing up.

What Debt Relief Help is Available in NYC?

New York City offers free financial counseling at Financial Empowerment Centers. Counselors can help you:

  • Review your budget and debts
  • Prioritize bills and avoid falling further behind
  • Set up debt management payment plans
  • Know your rights and protections in New York

Counseling is always a good first step before considering options like debt consolidation loans or settlement.

New York Debt Settlement Laws

If you do consider debt settlement, know your rights:

  • Fees before settlement may be illegal. Companies cannot charge upfront fees for debt relief sold over the phone.
  • Your settlement account funds belong to you. You can cancel any time and get your money back, minus fees earned.
  • Enrolling online or in-person avoids fee rules. Some companies use this tactic to charge fees upfront.

The Risks of Debt Settlement

While debt settlement may seem like an easy fix, consider the risks:

  • Your debts and interest will increase during the program, since you stop paying creditors. This can take 2-3 years to settle all debts.
  • There is damage to your credit score that lasts for years. This can impact your ability to get loans, credit, housing, and even jobs.
  • Creditors may still sue you or try to collect through calls, letters, or freezing your accounts.
  • Forgiven debt may count as taxable income. You could owe taxes on settled amounts over $600.

Debt settlement often leaves people deeper in debt. Get free advice first.

Alternatives to Debt Settlement

Here are some alternatives to consider:

  • Credit counseling – Nonprofit agencies offer free budget and debt advice, lower interest rates through debt management plans, and creditor negotiation.
  • Debt consolidation loans – Taking out one larger personal loan at a lower rate to pay off credit cards. This simplifies payments but doesn’t reduce debt.
  • Bankruptcy – Declaring Chapter 7 or 13 bankruptcy discharges many debts. This damages your credit but gives you a fresh start.
  • DIY settlements – You can often negotiate settlements yourself without paying fees to a debt settlement company. Get advice on the best approach.

Tips to Protect Your Money

If you’re facing debt, here are some tips:

  • Prioritize essential expenses like food, housing, utilities, and transportation.
  • Contact creditors directly to explain your situation and request lower payments or waived fees.
  • Avoid payday loans or cash advances that charge very high interest rates and create a debt trap.
  • Seek free financial counseling to go over your full budget and debts. They can help find the best solution.
  • Be very wary of any company asking for large upfront fees before providing services.

You Can Get Through This

Debt feels overwhelming, but there are always solutions. With some budget adjustments and a plan to pay back what you can, you can get your finances back on track. Debt settlement companies make big promises, but free financial advice is the best way to understand your options.New York City has resources to help its residents through tough times. Reach out today to speak to an advisor and find the debt relief option that works for you. It may take time and discipline, but you can become debt-free!

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

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