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

What is Credit Counseling and How Can It Help?


What is Credit Counseling and How Can It Help?

Credit counseling can be an incredibly helpful tool for folks struggling with debt or other money problems. Let’s break down exactly what credit counseling is, who provides the services, and how it can help you get your finances back on track.

What is Credit Counseling?

Credit counseling involves sitting down with a professional credit counselor to go over your financial situation. The counselor reviews your income, expenses, debt, and credit reports to get a full picture of what’s going on.

Then, the counselor works with you to come up with a personalized plan to tackle your money issues. This could involve:

  • Creating a budget
  • Setting up a debt repayment plan
  • Negotiating lower interest rates on debt
  • Providing tips for saving money
  • Giving advice on managing credit and improving credit scores

The counselor acts as an educator and coach — helping you understand the root causes of your financial troubles and motivating you to take positive steps forward. Many agencies also offer free educational resources like workshops or online classes.

Who Provides Credit Counseling?

Most credit counseling agencies are non-profit organizations staffed by certified counselors. Many are affiliated with organizations like the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA).

When looking for an agency, stick to non-profit groups to ensure the counselors are ethical, trained, and offering services designed to help — not make a profit. Be wary of for-profit companies advertising credit repair services for a fee.

Ask friends or family for recommendations on reputable agencies. Or search online and check reviews. Make sure any agency you consider is licensed in your state.

How Can Credit Counseling Help?

There are many ways professional credit counseling can help you regain control of your financial life:

Budgeting Assistance

One of the most useful services a credit counseling agency can provide is helping you create a realistic budget. Their counselors are experts at assessing expenses and identifying areas where you may be able to save.

They can also assist with tools and strategies for sticking to your budget. This can be invaluable in stopping overspending and getting your finances on track.

Debt Management

A large part of credit counselors’ work involves developing debt repayment plans. These debt management plans serve a few key purposes:

  • Consolidating multiple payments into one monthly payment
  • Negotiating lower interest rates with creditors
  • Establishing a set repayment timeline (typically 3-5 years)
  • Stopping collection calls from creditors

While debt management plans do charge a monthly fee, the savings on interest and convenience of consolidating can make it worthwhile for folks struggling with high-interest credit card debt.

Student Loan Counseling

Most agencies also provide student loan counseling to help borrowers understand repayment options and strategies to pay off student loans faster. They can help you assess options like income-driven repayment, deferment, forbearance, and student loan forgiveness programs.

Housing Counseling

Non-profit credit counseling organizations frequently offer housing counseling services including:

  • Advice on buying a home, including programs for first-time home buyers
  • Foreclosure prevention counseling
  • Reverse mortgage counseling

These services are often free and can provide guidance on navigating major financial decisions relating to your housing situation.

Bankruptcy Counseling

Many agencies provide the mandatory credit counseling and debtor education required to file for bankruptcy. The counselors help you understand bankruptcy and its consequences before moving forward.

They may also discuss alternatives to bankruptcy that may work for your situation. This can help prevent filing as a knee-jerk reaction to debt troubles.

Financial Education

Along with individual counseling, many agencies also offer free educational resources like online classes, videos, articles, workshops, and more. These can help you build your general money management skills.

Common topics include budgeting, understanding credit, identity theft prevention, and saving for retirement. Improving your overall financial literacy goes hand-in-hand with overcoming current money challenges.

The Bottom Line

Credit counseling provides professional guidance and structure to help you tackle debt, improve credit, and master personal finance skills. Services are often free or low cost. And counselors are trained experts whose job is helping you achieve financial stability.

Don’t struggle alone. Reach out to a reputable credit counseling agency. With commitment and hard work, you can get back on the road to financial freedom.


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

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