EIN Cap Business Loans and Merchant Cash Advance

Small business owners can use loans to grow their business. You can use the funds however you wish.


Cover Expenses

Pay for any unexpected expenses that arise using our business loans.


Invest in your business

Use the business loan to grow your business however you wish.



Keep the cash on hand for future expenses.



Use the business loan to pay your employees.



Buy new equipment to grow your business.



Use the business loan to hire new employees.

We Fund Fast


Loans up to

$ 10 Million

Google Rating

5 Stars


Hear from people we've helped

Delancey Street makes lending easy. They took a chance on me when no one else would.

Leo kovacz

Founding Partner (Zooomr Car Leasing)
Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would and helped my...

Steven Goldman

Founding Partner (Goldman & Associates
Chicago Lawyer)

Delancey Street Can Help
with Small Business Loans

We're committed to building relationships and helping people all over the USA get access to the RIGHT loan for them. Regardless of your credit, or the riskiness of your industry.


We're frequently interviewed by major media organizations.

Easy Application

All it takes is one application, and we handle the rest for you.


Service is key. You can ask for advice on ANYTHING and we'll bend over to help.


Many of our team members are former business owners, and understand your challenges.


We customize each loan for you, and to your unique specs. Everything is customized.


We help virtually any industry, any business, anywhere in the USA. It doesn't matter.


We fund business loans nationwide. It doesn't matter where you are, we can help you.


This is crucial, and critical. We are 100% honest with our clients, and never strive for less.

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

We’re here to answer your
questions. Contact us anytime:

Minimum Qualifications Requirements

Delancey Street’s team consists of former business owners, and entrepreneurs. We understand your business has unique needs, and not every project is going to be easy and be ideal. These are general guidelines which should be interpreted as a suggestion, rather than mandatory.

At the end of the day, we look at you – just as much as the quality of the deal and the qualifications.

  • Risk Free. No Application Fees.
  • Decisions Within 48 Hours.

Business Loan Guidelines

Speed We close within 24-48 hours
Paperwork Not much
Qualification 3 months in business minimum. Credit isn't a huge issue.
Maximum Loan Amount $5 Million
Loan Terms 6-24 Months

It’s Simple

  • 1 Tell us your financial request
  • 2 We consult & provide terms
  • 3 We finalize the transaction

Get funding today

  • Apply today and we'll tell you what you qualify for
  • No obligation and no effect on your credit score
Get pre-qualified today

EIN Cap Business Loans and Merchant Cash Advance

A merchant cash advance is funding for a business that has credit card sales. It is like a payday loan for individuals. Instead of taking money out of a checking account on payday, a merchant cash advance takes a percent of your daily credit card sales.

Merchant Cash Advance: How it Works

The provider of a merchant cash advance reviews an application for an advance by looking at your past credit card sales. They then decide what to give you in a lump sum. The provider will give you a retrieval rate, which is the amount they will take from your future credit card sales until everything is paid back. Your retrieval rate is usually between 10% and 20% of your credit card sales.

You will also have a factor rate. The factor rate is usually between 1.2 and 1.5 times the advance. If you get a lump sum from the cash advance provider for $50,000 and the factor rate is 1.5, you pay back $75,000. The factor rate is the fees for the merchant cash advance.

A merchant cash advance is short-term. The provider will let you know an estimate of how long it will take to pay your advance and factor rate back based on your past credit card sales. There is no set date or month like a standard loan. It is usually between six and 18 months.

Do You Qualify for a Merchant Cash Advance?

Many businesses qualify for a merchant cash advance because they are easy to get. The provider doesn’t determine if you are qualified based on credit alone, if at all. They use the businesses credit card revenue to secure the advance, so there isn’t any collateral and qualifying is easier. The providers make a lot of money off the advances they provide, so they benefit from having lower qualifications.

Is a Merchant Cash Advance Right for You?

If you need money fast a merchant cash advance is a possibility. It may not be your only choice, so you should check out loan options and credit cards before a merchant cash advance. The amount of money you must take out of your business cash flow might be too much and put your business in a worse place than it is in currently.

If a merchant cash advance is your only choice, try to negotiate a lower factor rate with the provider, so you pay fewer fees. Sometimes this is a choice. If they won’t lower the factor rate, sometimes they will lower the retrieval percentage. If you don’t think your business can survive the retrieval percentage, you shouldn’t apply for a merchant cash advance.

The Benefits of a Merchant Cash Advance

Many businesses find that payback costs are not as bad as they seem. They can get the funds they need to expand or grow their business. Some benefits are:

  • Applying for the Cash Advance

    The application process is easy and usually online. You fill out the application, send any needed documents and wait for your offer. It is much easier than applying for a loan and you usually hear back sooner than a traditional loan.

  • Fast Money

    There isn’t a long wait period to get your funds. This can be a week or even days for your lump sum.

  • Payments

    The payments adjust with your income. The retrieval rate fluctuates with your credit card sales, so you don’t have to worry about producing a set payment on a set date. Everything is automatic.

  • Imperfect Credit Scores

    Business owners with credit scores that aren’t great can still use merchant cash advances. You won’t build credit with a cash advance like you would a credit card or loan. You could qualify with a lower credit score and get a lump sum for your business.

  • More Money

    It is possible to get more money from a merchant cash advance than a business loan. This is because the provider looks at your credit card cash flow as a primary deciding factor.

If you consider a merchant cash advance, make sure you weigh the pros and cons for your business. Some businesses don’t consider the factor rate when they agree to the advance. Figure in all your fees and decide if your business will survive on less cash flow every day.

Do you need a small business loan?

Apply now