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

Seeking Small Business Debt Relief from Lenders


Seeking Small Business Debt Relief from Lenders

Hey there! If you own a small business, you may have found yourself in a tricky spot with debt. Loans and credit cards can pile up quickly, leaving you struggling to keep up with payments. But there are options out there to get debt relief and breathe easier again! This article will walk you through some strategies to lighten your small business debt load.

Consolidate Multiple Loans into One

If you have multiple business loans or lines of credit, consolidating them into a single new loan can make repayment way simpler. You’ll only have one monthly payment to worry about, and may even score a lower interest rate. Online lenders like Fundera and LendingTree offer debt consolidation loans up to $500,000 or more. Banks also provide consolidation loans, often with lower rates but stricter eligibility rules.

Snag an SBA Loan

The Small Business Administration (SBA) guarantees loans given out by approved lenders, helping businesses access funding. SBA 7(a) loans go up to $5 million and can be used to roll multiple debts into one. Perks include low rates, long repayment terms, and even loan forgiveness options. Check the SBA website for updates on COVID-19 relief lending programs.

Ask Lenders for Relief Options

If you’re struggling with payments, tell your lenders! Many will work with you to make repayment more manageable. They may be able to lower interest rates, extend loan terms, or let you pause payments for a bit. Be proactive in asking for help – the sooner the better. Under the CARES Act, lenders had to provide 6 months of payment relief on existing SBA loans.

Explore Debt Settlement

Debt settlement involves negotiating with creditors to pay a lump sum that’s less than what you owe. This can save a lot of money, but may damage your business credit. Debt settlement firms like Freedom Debt Relief charge fees but do the negotiating for you. Or you can try DIY settlement by contacting creditors directly.

Prioritize Paying Down High-Interest Debt

The debts costing you the most in interest should get priority in repayment. Pay more than the minimum on high-rate credit cards and loans, while just paying minimums on lower-rate debts for now. This “debt avalanche” method saves money on interest and clears debts faster. Apps like Debt Payoff Planner help optimize payoff order.

Use Profits to Chip Away at Debt

When possible, use some of your revenue to pay down principal on loans and credit lines. Even an extra $100 or $200 a month can make a dent. Building this habit now leaves you less vulnerable to rising interest rates down the road too.

Lean on Community Support

Don’t go it alone in tackling business debt! Connect with other local business owners, including through groups like the SCORE Association and Small Business Development Centers. Peers who have been there can offer insights on managing debt. Plus, you can find strength in community.

Explore Personal Funds if Needed

While not ideal, you may opt to pay some short-term business debts using personal credit or savings as a last resort. This can buy you time to improve cash flow and pursue longer-term solutions. But have an exit strategy to rebuild personal funds and keep business and personal finances separate going forward.

Cut Expenses Where Possible

Getting business debt under control may require some belt-tightening day-to-day. Look for areas to trim spending, like subscriptions, software, payroll, inventory, etc. You want to find meaningful savings without cutting things that will cripple your operations. It’s a balancing act for sure.

Sell Assets Not Critical to Operations

Liquidating non-essential business assets is a strategic way to pay off debts quickly. You can sell equipment, company vehicles, unused real estate, securities, etc. Holding a liquidation sale or auction opens up more potential buyers too. Just be sure to sell assets wisely, keeping what you need to stay in business.

Negotiate Better Repayment Terms

Don’t just accept the loan terms you’re given! It never hurts to negotiate, especially if you’ve been a loyal customer. Ask lenders about getting lower rates, longer repayment periods, interest-only periods, or other concessions to make debt more affordable and manageable. The worst they can say is no.

Shift Focus to Profitability

The best long-term solution for business debt woes? A profitable business! Refocus your energy on boosting sales and improving operations. Even modest gains in profitability make debt repayment easier to handle over time. Master the basics like customer service and cash flow management too.

Whew, that was a lot of tips! Dealing with business debt is tough, but take it step by step. Stay organized, be proactive, and don’t lose hope! With some diligence and creativity, you can find the right debt relief solutions for your small business. Here’s to smoother sailing ahead!




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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In The Media

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