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

Austin Fix and Flip Loans

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What is a Fix and Flip Loan?

To put it simply, a fix and flip loan is a type of hard money loan that gives you the money you need to buy a bargain home and then fix it up so that you can “flip” it for profit. Many popular television shows today center around the art and hard work of flipping houses for profit. It’s a tough job, but so many people are doing it and doing it well. The funding they get for these projects typically come in the form of a hard money loan that uses the short-term mortgage as collateral for a line of credit. This gives someone with limited income and/or credit the funds they need to make their profit.
Making that profit is all about the “fix” portion of the fix and flip. When you buy a cheap home, you need to make home improvements to the house that will allow you to sell it for much more than you bought it for. Doing this is going to require you to call in the experts. You’ll need real estate experts who know the Santa Rosa area very well and can tell you what will increase the value of the home. You need contractors who will look at every area of home improvement you need to work on and tell you how they can get it done for as cheap, and thoroughly, as possible. Cheap isn’t always better. Making a home improvement that doesn’t increase the value of your home isn’t going to do you much good in a house flipping situation. Good estimates and solid financial planning are essentials for a successful house flip.

The Financial Side of Things

If you’re going to flip a house, you’re going to need not just the money for the short-term mortgage but money for the home repairs and improvements that you need to make. That requires you to find a lender who really believes in your vision and is willing to sink some money into your project because they believe that in the end, they’re going to see a return. Delancey Street is one lender you can always turn to for a fix and flip investment. We know that these projects make money because we’ve seen thousands of them succeed over the years. We’ve also seen some of them fail. Our expertise in this area can truly help you to make sure that your story is one of the success stories.
When you’re talking about home improvement experts, you might be talking about plumbers, interior designers, or electricians. When you’re talking about financial experts, you’re talking about Delancey Street lenders. We truly believe in our clients and love to pick up projects that need someone to believe in them. Sometimes all someone needs in order to make a profit is an investor that believes in their vision and is willing to see it through until the end. We never give up on those borrowers that are out there flipping houses like their livelihoods depend on it (because they do). We’ll do everything in our power to make sure that your project is a true success. When you sell your home, you’ll need to have a great real estate agent who can passionately show off the way that you’ve improved the home. We are in on all facets of our investment in your project, and we’ll make sure that you have the best teams on your side.

Call us

If you’re ready to bring your dreams to life, it’s a simple matter of a phone call or email to us. We’re available whenever you’re ready to talk. If you have your plans all laid out, we’ll be happy to look at them with you. If you’re just in the “idea” stage, no worries! We love to hear ideas early on so that we can give our input and help you have a solid direction to go in. We’ve funded a lot of house flipping projects, so rest assured that when you ask us for our input, we have some great experts to refer you to.
Our expertise is the hard money loan. You’re showing us that you have faith in your house flipping prowess by borrowing money and risking your own time and energy. If you believe in your project, so do we! Whenever you’re ready to get started, just give us a call. No project is too big or small for us to take a look at, and even if other lenders have turned you down, there’s a great chance that we’re going to love what you have in mind and we’re going to fund it. You can’t get the funds you need until you call us, though. Call today.

Hard money loans are short-term loans that are backed by real estate. Private lenders are the ones who provide the funds. People typically take out hard money loans for 12 months. However, some people will take out a hard money loan for two to five years.

The value of the property is what determines how much you will be able to borrow. People often get hard money loans because they are turned down for other types of financing. Hard money loans are ideal for the following types of situations.

  • Land loans
  • Construction loans
  • Fix and flips
  • Buyers with credit issues
  • Real estate investors who need to make quick decisions

Types of Property That can be Used for Hard Money Loans
Borrowers can get hard money loans for just about any type of property. This includes multi-family homes, single family homes and commercial property.

Why Real Estate Investors Choose Hard Money Loans
There are several reasons that people choose to use hard money loans. One of the main reason that real estate investors choose hard money loans is because they can quickly get the funds that they need. Many people who apply for a hard money loan are able to get their funds in just one week. However, it can take 30 to 45 days to get funds from a traditional lender.

In some cases, people can get approved for a hard money loan in just one day. The ability to get funds quickly works in the real estate investor’s favor. The real estate investor may be trying to get a property that has already received several bids. A hard money loan helps the real estate investor close the deal quickly.
People may also opt to borrow a hard money loan if they have been rejected by other lenders. Short sales, credit problems and foreclosures can make it a lot harder to get approved for a loan. A traditional lender will also look at your income. People who have just got a new job may have trouble getting approved by a traditional lender.

How to Qualify for a Hard Money Loan
The property that you are trying to secure will determine how much funding you can get. The higher the value of the property is, the more money you will be able to get. Valuable property is the main qualification that is needed to get a hard money loan.

It is important to note that some hard money lenders will only lend to people who have specific types of property. There are some lenders who will only lend to people who have commercial properties. Others will only lend to people who have residential properties.

The lender may use your credit score to determine what the interest rate on the hard money. However, it will not be used to determine whether you get approved. Hard money loans typically have higher interest rates than other types of loans.

Some lenders will ask for a plan that states how you will be using the loan. The plan should also show your plan for repaying the loan.

What to Know About Paying Back Your Hard Money Loan
You will need to read all of the terms and conditions before you pay back your loan. The terms and conditions will outline the interest rates and repayment schedule. The process of repaying a hard money loan is similar to paying any other type of loan. However, you may be able to negotiate with a hard money lender and get your payment schedule changed.

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

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