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 to Do When You Can’t Pay Rent or Mortgage Payments


What to Do When You Can’t Pay Rent or Mortgage Payments

Lots of folks struggle to pay their rent or mortgage sometimes. Life happens, you know? Jobs are lost, hours get cut, cars break down, medical bills pile up. It’s enough to make anyone’s head spin!

If you find yourself unable to make a rent or mortgage payment, don’t panic. Take a deep breath. There are options and resources to help you get through this tough time.

Communicate with Your Landlord or Lender

The first thing you should do is reach out to your landlord or mortgage lender. Let them know you’re having trouble making your payment on time. Most understand that things happen. They would much rather work with you than go through the hassle of evicting you or foreclosing on your home.

See if you can set up a payment plan to pay back what you owe over time. Offer to pay a portion of the monthly rent or mortgage until you get back on your feet. Any amount helps take the pressure off. Just showing you want to pay what you can goes a long way.

Check if You Qualify for Assistance

Many states and local organizations offer rental and mortgage assistance programs. These can provide grants, low-interest loans, or other help for those struggling with housing costs.

To find programs near you:

  • Contact your local housing authority
  • Call 2-1-1 to speak with a community resource specialist
  • Search online for “rental assistance [your city or state]”

Some of the main programs to look into include:

Apply for Unemployment Benefits

If you lost your job or had your hours reduced, apply for unemployment benefits right away. This provides weekly payments to help cover basic expenses while you look for new work.

To qualify, you must have lost your job through no fault of your own. Benefits are available to W-2 employees, self-employed workers, freelancers, independent contractors, and part-time workers in most states.

You can apply through your state’s unemployment insurance program. The process is done online or over the phone. They will determine your eligibility and payment amount based on your prior wages.

Use Credit Cards Strategically

It can be tempting to rely on credit cards to pay the rent or mortgage when cash gets tight. This option requires caution – high interest rates can quickly create bigger issues.

If you do use credit, have a plan to pay off the balance ASAP. Try these tips:

  • Make minimum payments on all cards except the one with the lowest balance – put as much money as possible toward paying that one off first
  • Contact issuers to request lower interest rates or balance transfer offers
  • Pay down balances with any extra income, tax refunds, etc. to get out of debt faster
  • Consider consolidating balances to a lower rate personal loan

Borrow from Your Retirement Savings

Withdrawing funds from a 401(k) or IRA should also be a last resort. However, some employer plans allow you to borrow against your balance and pay it back over time.

This avoids penalties and taxes associated with early withdrawals. Just be sure to repay the loan promptly to avoid extra fees and interest.

Communicate with Other Creditors

If you need to direct more cash toward rent or mortgage payments, talk to your other creditors – utility companies, credit card issuers, auto lenders, etc.

Let them know your situation and see if they can offer some flexibility, such as:

  • Temporarily lowered minimum payments
  • Waived late fees
  • Due date changes
  • Lower interest rates

You may be able to free up some extra money to put toward housing costs.

Get Help from Local Charities

Check with charities, religious organizations, and nonprofit groups in your community. Many operate emergency assistance programs that help cover bills, rent, medical expenses and other critical needs.

For instance, The Salvation Army offers rental and utility assistance through local corps community centers. St. Vincent De Paul provides eviction prevention services like back-rent grants. Find help by searching “[your city] rent assistance programs.”

Find Ways to Supplement Your Income

Look for ways to earn extra cash that you can put toward rent or mortgage payments, such as:

  • Getting a part-time job – check local retail and restaurant openings
  • Driving for a rideshare service like Uber or Lyft
  • Selling unused items on Craigslist, Facebook Marketplace or eBay
  • Doing freelance work like writing, web design, tutoring, etc.

Every little bit helps chip away at what you owe.

Negotiate a Payment Plan with Your Landlord

If you just need some extra time to pay rent you owe, ask your landlord to set up a payment plan. Offer to pay a portion now plus a little extra each month until it’s paid off. Make this as affordable as possible so you can stick to it.

Having an agreed-upon written payment plan can help avoid eviction. Just be sure to follow through on the payments.

Prioritize Rent or Mortgage Payments

Housing payments should take top priority over any other debts or expenses. Try cutting back on discretionary spending and directing that money toward rent or mortgage instead.

Food, utilities, transportation and other basic needs come next. Credit cards, retail purchases and other discretionary expenses are lowest priority.

Borrow from Friends or Family

As a last resort, borrow from friends or family members to cover housing costs in the short term. Be sure to outline a repayment plan – don’t let it become an open-ended loan.

Offer to sign a promissory note agreeing to repay the money by a certain date. This protects relationships and shows you intend to pay it back.

Explore Alternate Housing Options

If you simply can’t afford your current rent or mortgage, it may be time to consider cheaper alternatives, like:

  • Getting a roommate to split costs
  • Renting a room in someone else’s house
  • Moving in with family temporarily
  • Subletting your place and renting something cheaper
  • Negotiating a lower rent with your landlord

This takes planning, but could significantly lower housing expenses.

Know Your Rights and Responsibilities

Before withholding or making late rent or mortgage payments, understand the potential consequences and your rights as a tenant or homeowner.

Not paying rent could lead to eviction, late fees, and damage to your credit. Not paying a mortgage typically results in foreclosure.

However, there are laws that protect consumers if discussions are happening in good faith to remedy nonpayment. Learn about grace periods, proper notices, and protections in your state.

Get Free Legal Assistance

Housing attorneys can advise you for free or low cost if you’re facing eviction or foreclosure. Try these resources:

  • Your state bar association
  • Legal aid organizations
  • Law school clinics
  • Court’s self-help center

They can ensure your rights are protected throughout the process.

Declare Bankruptcy as a Last Resort

If you have no other options and your financial situation is truly dire, bankruptcy may provide relief. This discharges certain debts so collectors must stop collection efforts.

Chapter 7 bankruptcy completely liquidates assets to pay debts, while Chapter 13 restructures debts into a court-mandated payment plan. Each has pros and cons.

This is a complex process best navigated with an attorney’s help. Be sure to exhaust all other options first.

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
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$35,000 Lawsuit Advance
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$250,000 Hard money Loan

In The Media

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