Franchise 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

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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

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We work diligently, and quickly, to help you

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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

Franchise Merchant Cash Advance

Franchise Merchant Cash Advance

Does your business need up to $250,000 to hire new employees or fulfill a large order? If that sounds like your company, a merchant cash advance (MCA) may be an ideal way to get the funding it needs in a hurry. Since you are not applying for a loan, there is no need for a credit check and no need to put up collateral to get the working capital.
What Is a Franchise Merchant Cash Advance?
An MCA allows you to receive cash today based on anticipated future revenue. The advance provider will charge a factoring rate of anywhere between 1.1 and 1.5. This is equivalent to an interest rate of 10 to 50 percent. The factoring rate will be based on a number of factors including the amount of the loan and track record that your company has making money.
How Much Can My Business Borrow?
The amount that your company is advanced is determined by your company’s revenue over the past several months. As a general rule, you can get anywhere from 50 to 250 percent of that figure. Once you receive the cash, you start to repay the advance over a period of three to 24 months. Your first payment is made the day that money arrives in your checking account. The retrieval rate is usually about 10 percent of however much is deposited into your merchant account.
Use the Money For Almost Any Purpose
The money that you receive can be used for any reason that you can think of. For instance, it could be used to lease equipment or pay off an old tax debt. It could also be used to make sure that vendors and employees get paid in a timely manner. If necessary, the money can be kept in a bank account as a cushion in case you expect your expenses to grow suddenly in the next few months.
What Types of Franchises Benefit Most from MCA Funding?
Almost any type of business can benefit from having an MCA. Typically, restaurants and other companies that have smaller margins will ask for an advance on credit card transactions. It is also ideal for companies that have just started out and don’t have the ability to get funding from a traditional lender like a bank or credit union.
Since an MCA has no bearing on your credit, there is no drawback to at least inquiring about funding. It likely won’t show up on a business or personal credit report, which means that you don’t have to worry about an inquiry lowering your credit score.
Are There Any Drawbacks to a Franchise MCA?
There may be downsides to getting an MCA as opposed to getting another source of funding. The amount of interest that you pay to the cash advance provider may be higher than what you would pay to a credit card company or other financial institution. Furthermore, since you are getting an advance instead of a loan, it won’t have any impact on your credit score. This means that you can’t improve a bad score or enhance a poor credit history by repaying the advance in a timely manner.
If your company could use an infusion of capital, a merchant cash advance is an effective way to get it. In a matter of hours, you can have hundreds of thousands of dollars in your company’s bank account. The application process is easy and quick, which means that you spend less time asking for money and more time focusing on your business.

Do you need a small business loan?

Apply now