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

Oakland Fix and Flip Loans

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Oakland Fix and Flip Loans

Fix and flip Lending involves real estate investing. Investors purchase properties that need fixing, fix up the properties and flip them by selling for a profit. The goal is for investors to fix the property, and sell it at a higher cost than the property was originally bought. This is where fix and flip lenders come handy.

Fix and flip lenders help investors find ways to flip real estate properties no matter the credit standing, income or time on the job. We provide funding for your fix and flip properties.

Fix and flip loans assist investors in renovations and property purchases. The main goal is to flip for a profit. Most properties are already in distressed conditions, and the investors job is to fix them up to get the properties ready to sell as quickly as possible. House flipping, when done successfully, can bring in a nice profit for real estate investors. There are several types of fix and flip lending options, including:

Bridge Loan: This loan type is a temporary loan which covers the timeframe during the time a home is purchased and when one is sold. The real estate transactions are separate.

Home Equity Loan: This loan is similar to using a credit card. Investors are issued borrowed funding from their real estate’s value. This can be used as funding for new purchases.
Bank Loan or Mortgage: These loan types are more long term, up to 30 years.

Hard Money Loan: This type of loan is secured by using real estate as collateral. It is short term, and used for purchasing and renovations.

Refinance Loan: This type of loan occurs when an investor takes a second loan out on an existing property. The proceeds are used to finance new real estate investments.
Investment Line of Credit: This is a line of credit which can only be used for specific investment property use.

Real Estate Crowd Funding: This is a popular type of investment which involves real estate investors apply to receive crowdfunding and being listed on reputable crowdfunding sites.

Are there guidelines for Oakland Fix and Flip Properties?
Many distressed properties that investors are interested in, do not meet general guidelines to be financed by the FHA. This is why Oakland fix and flip loans are important to investors otherwise cannot get traditional financing. This type of lending is good for investors with questionable credit histories, or little to no credit. The reason you are able to get financing without “any credit,” is because the lender makes their decisions based off of the property itself, and not necessarily the borrower. The lenders use collateral from investors to fund the fix and flip loans. This is different from traditional mortgages, where a credit score is generally required, along with job history.
The main thing to understand about fix and flip lenders is that the loans are generally for shorter terms. The most common term is one year. It’s critical that you sell the property and repay the loan ASAP. The worst case scenario is that the hard money lender can foreclose on and take over the property – if you don’t repay the loan.

What’s next
Delancey Street, an Oakland fix and flip lender – is focused on providing loans for projects that will succeed. We focus on projects we think have a good real estate developer behind it. We look at the cost of purchasing the property, the cost of rehab, and the final potential value at which the property can be sold. We take risks on entrepreneurs who we see are driven.

Hard money loans are types of funding for people who don’t want to get a conventional mortgage or don’t qualify for a mortgage. A borrower that wants a hard money loan is usually looking for a way to fund a project quickly. There are several types of projects that qualify for hard money loans.

What is a Hard Money Loan?

A hard money loan is funding for real estate. Most hard money loans have short terms and higher interest rates than traditional loans. They are good options for borrowers that need to fund a project or buy a home quickly and can pay off the lender soon.

Different Types of Hard Money Loans:

  • Fix and FlipThis loan is for real estate investors that buy a home, renovate it, then sell the property and pay off the loan.
  • Bridge LoanThese loans are for borrowers that need to buy real estate fast and have the intention of reselling or refinancing the property.
  • Owner-occupied LoanThis type of hard money loan must follow certain rules and regulations. They usually only last for three to four years, then the lender needs to have long-term financing.
  • ConstructionA construction loan is for a construction project that an investor wants to start quickly. The intention of the investor is usually to refinance or sell as soon as the construction is complete.
  • Other Types of Hard Money LoansPrivate lenders fund different projects that aren’t on this list. Lenders must follow rules and regulations with the real estate funds they lend to borrowers.

The Benefits of a Hard Money Loan

  • Some hard money loans offer interest only payments.
  • Short-term.
  • Easily qualify.
  • Quickly qualify.
  • Faster application process.

When to Consider a Hard Money Loan?

If a borrower has a low credit score. Self-employed borrowers are also fond of the ability to get a hard money loan versus a conventional loan. When a borrower needs money fast, a hard money loan is usually the easiest way to get funded.

How to Qualify?

Qualifications depend on the lender. It is easier to qualify for this type of funding with a down payment and good collateral. It is necessary to have a business plan and appraisals for many types of hard money loans.

Asking a potential lender enough questions is important for the borrower to feel comfortable with the loan, the payments, and their experience. A potential lender needs to provide their real estate broker license ID when asked, so a borrower can make sure they have the qualifications to lend money. If a borrower doesn’t feel comfortable with a lender, they should look for a new lender. Most real estate projects come with stress, so it is important to feel comfortable with the lender and the terms of the loan.

If a borrower decides against a hard money loan, there are other types of funding. Some alternate funding sources include FHA, VA, Equity loans, lines of credit and bridge loans and conventional mortgages.

Not all borrowers qualify for a hard money loan. Lenders may not agree that the real estate project has potential, or the borrower may not have enough of a down payment. This type of loan has a shorter term and higher interest rates, so a borrower may decide that this isn’t a choice for a real estate project.

If a borrower is not able to pay the lender at the end of the project, talking with the lender may buy some added time to pay the loan off. A lender has the right to foreclose when a borrower can’t pay.

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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Delancey Street understands funding like no one else!
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