Fora Financial

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

Fora Financial

Merchant Cash Advance is a new and effective substitute for the regular bank loans which have been the most used money lending option by many people. It also goes by the name factoring. For more than ten years it has been among the easiest ways of securing advance loans when faced with a glitch and after that get your business running as usual. Merchant Cash Advance saves one the stress of going through hectic processes that might not even give the desired results when seeking bank loans. It is a problem solver when one needs to advance loans to get the business back on its feet but does not have a fast option of getting one.

Merchant Cash Advance comes in handy when one seeks to expand the business’ client base, speed up the delivery of products or increase the number of staff. You may be able to afford the expansion of the business depending on the magnitude of the company. However, when you fall short of finances, Merchant Cash Advance is the best alternative you might get. The best part is that your credit rating does not influence the acquisition of this type of loan.

To get hold of Merchant Cash Advance’s idea of helping businesses grow, you need to identify and isolate the problems affecting your business and replace them with Merchant Cash Advance. Steady cash flow in a company is not enough if there is no reliable cash flow security and this is what Merchant Cash Advance seeks to provide. This kind of security acts as a remote financier when one is caught up in a financial fix and does not want to worry about bank qualifications or the long periods it takes to secure a loan from banks.

How it operates
Before subscribing to anything, it is essential to understand how it works before committing to it, especially if the deal is too good to be true. Therefore, factoring (merchant cash advance) operates in the following way:

It entails the purchase of future credit sales and does not require collaterals. The credit rating of an individual is not mandatory to secure a merchant cash advance; therefore, credit card checking is not done. Many business persons prefer financial solutions that do not take long in the acquisition. There has been a persistent perception that factoring depends on personal credit and guarantees, which in essence is false and inaccurate. Business persons should incorporate Merchant Cash Advance into their businesses to ensure a fluid cash flow security.

The process of acquiring a merchant cash advance
Obtaining a merchant cash advance is quite easy. The process is a short, simple one. The owner of the business is required to fill an online form that is very brief and candid. It takes between 24 to 48 hours, upon completion and submission, for the form to be approved. After that, the money is remitted to the business owner and how you spend it entirely upon you.

Determination and payment of merchant cash advance
The primary payment methods for this solution are credit and debit sales. On top of the payment balance, a fee that is agreed on during approval of the form during application is charged. How then is the payment determined? The amount of profits acquired from the business is an obvious way of determining the rates of the payment. The payment could be fixed daily, or a certain percentage is set on the earnings.

The fact that payments are made automatically relieves business owners the struggle of having to make payments daily or according to the payment plan they subscribe to when applying for a merchant cash advance. The percentage charge is particular to the payment; therefore, one does not need to worry when the profits decrease.

Benefits of merchant cash advance
Merchant Cash Advance has numerous advantages over normal bank loans. These include:
 Qualification for the merchant cash advance is easy.
 When a merchant cash advance is approved, the amount of sales is the majoring factor and not the credit rating.
 The disbursement of money is fast and reliable.
 A merchant cash advance is used for any purpose; there are no restrictions.
 Its terms are very flexible as compared to bank loans.
 The payment of merchant cash advance is done automatically; therefore, one does not need to worry about making payments personally.
 A merchant cash advance does not require documents and tax returns to secure a loan since it focuses more on credit and debt sales.
 Collaterals and personal guarantees are not needed since they may affect new businesses that may not have an excellent credit rating.

Disadvantages of factoring
It is, however, necessary to note that merchant cash advance could be expensive as the rates sometimes go up to 30% and it could also interfere with the cash flow of the business.

What is a merchant cash advance?

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