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.

Apply Now

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

Zombie Debt What You Need To Know


Dealing with debt can be scary. Especially when debt collectors start calling about old debts you thought were long gone. These debts are sometimes called “zombie debts” because they come back from the dead to haunt you. As a financial services company, we want to help explain what zombie debt is, your rights, and what to do if collectors contact you.

What is Zombie Debt?

Zombie debt is debt that you thought was paid off or too old to be collected, but suddenly comes back from the “dead.” This often happens when the original creditor sells or transfers the debt to a collection agency. The debt is “reanimated” because the collector tries to get you to pay, even though you thought it was gone.

Some common examples of zombie debt:

  • Old credit card balances you thought you paid
  • Medical bills that went to collections years ago
  • Accounts you closed and forgot about
  • Debts discharged in bankruptcy

Zombie debt usually arises when the original creditor stops trying to collect. They may sell the debt to a collection agency for pennies on the dollar. The collector then tries to collect the full amount from you. Even though the creditor wrote it off.

Your Rights With Zombie Debt

You have rights when it comes to zombie debt collectors. Here are some key things to know:

  • Debt has a statute of limitations – collectors can’t sue after a period of time (varies by state)
  • Collectors must provide written notice of the debt within 5 days of first contacting you
  • Collectors can’t harass or threaten you, or call before 8am/after 9pm
  • You can request debt validation – collectors must prove the debt is yours
  • You can dispute incorrect or fraudulent debts
  • Collectors can’t talk to others about your debt without permission

The Fair Debt Collection Practices Act and state laws protect you from abuse. Collectors who break the rules can be fined or sued.

What To Do About Zombie Debt

If a collector contacts you about a zombie debt, stay calm. Take notes and don’t ignore it. Here are some tips:

  • Ask for written notice of the debt – get details in writing
  • Look up the statute of limitations – don’t pay if it expired
  • Dispute incorrect debts – challenge wrong amounts or fraud
  • Negotiate – offer less than the full amount if you can pay
  • Get collector agreements in writing – document payment plans

You may be able to get debts removed from your credit report if they are obsolete or unverified. Dispute errors or outdated debts with the credit bureaus.

If you are sued over zombie debt, be sure to respond within the required timeframe. Get help understanding your rights and options. Legal aid organizations may provide assistance.

Debt settlement companies can also negotiate and settle zombie debt on your behalf. But beware of scams and high fees.

Protect Yourself From Zombie Debt

Here are some tips to avoid zombie debt problems down the road:

  • Review credit reports annually and dispute errors
  • Save account records and correspondence about debts
  • Pay medical bills promptly or set up payment plans
  • Notify creditors if you move or change contact info
  • Consider debt consolidation loans to simplify payments

Act quickly if financial hardship makes paying difficult. Ask about hardship programs or reduced settlements. Bankruptcy is a last resort option if you have no other way to deal with overwhelming debt.

Dealing with zombie debt can be alarming and stressful. But knowledge is power when it comes to your rights. Don’t hesitate to seek help negotiating or validating questionable debts. With the right information and support, you can defend yourself from unfair collection practices. And take back control of your financial future.

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

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
Delancey Street CEO discusses management on AMEX.
Get Out of Debt
Credit Card Debt Relief
Marital Debt Relief

Managing Marital Debt: Strategies for Financial Freedom Marriage can be…

Private Student Loan Debt Relief

Managing Private Student Loan Debt: Options for Relief Private student…

Veteran Debt Relief

Helping Veterans Find Financial Freedom Being a veteran comes with…

Delancey Street understands funding like no one else!
Steven Norris
Get Funding Today

Ready To Get Started?

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

Apply Now