Fundzio 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

Fundzio Merchant Cash Advance

Merchant cash advances (MCA) is a form of financing for businesses, particularly small businesses and retailers. It’s not a business loan. It’s technically a cash advance, as the phrase states.

It’s one of the new financing innovations available to businesses that needs short term cash to pay expenses or invest in growth.

Basically, a merchant cash advance company will pay a business a lump sum in exchange for future sales to be paid as a percentage of credit card and debit card transactions.

Merchant Cash Advance – Flower Shop Example
For example, let’s say a local flower shop needs $20,000 to buy a shipment of flowers for the upcoming Valentines Day rush. They don’t have the cash on hand and they have maxed out their credit cards.

They also don’t have time to apply for a bank loan which can take several days to weeks. It also requires a ton of paperwork, getting financial statements together, digging up tax returns, etc. Banks require a lot of documentation and information in the business loan application process.

They need the $20,000 and they need it quick. Otherwise, they won’t be able to buy the flowers from their supplier and they’ll miss out on one of the biggest sales days of the entire year.

Just for fun, let’s say they expect to make $100,000 in retail sales from the $20,000 in wholesale flowers they buy. Without the $20,000, they won’t make the $100,000.

So they go to a merchant cash advance company and get a lump sum payment of $20,000 to buy the wholesale flowers. In exchange, the flower shop will pay them back $25,000 with future sales. The MCA company makes $5,000 eventually and the flower shop can now buy the whole flowers it needs to sell $100,000 worth on Valentines Day.

How the cash advance payback works is the interesting part here. The MCA company will take a percentage of the credit card and/or debit card transactions as they come in. They may take 10-20% of each sale.

That means the next customer that uses a credit card to buy a $100 bouquet of roses for his girlfriend, $20 will automatically go back to the MCA company. That process will be repeated until the entire $25,000 is paid back.

So on Valentines Day, the local flower shop will sell $100,000 worth of flowers. They use the cash from the MCA company to buy $20,000 worth of wholesale flowers, but now they have to pay the MCA company back $25,000.

That means they made a margin of $75,000 on that deal. Without the cash advance and without any other source of financing, that local flower shop would’ve had to pass on this opportunity to profit from Valentines Day.

Benefits for Businesses and the MCA Companies
Depending how you look at it, this can be a win-win situation on both sides. One of the those win-win’s comes from the fact that the payments are automatic.

This is obviously good for the MCA company because it lowers their risk of being paid back. If it’s a retail business they’re servicing and they automatically get a cut of the credit card transactions, that means the MCA doesn’t have to wait for the business owners to make a conscious decision to write a check to pay the advance back.

It’s good for the business owner as well. The small business person doesn’t want to have outstanding debts just like anyone. But when it comes time to write that check to pay back the cash advance, there may be temptations to use that cash for other things and delay payment.

In the long run, this can be detrimental to the business, particularly to their FICO score or credit ratings. It can also be emotionally draining for the business owner to be forced to make that decision to write that check and watch cash drain from their account.

If it’s setup as automatic payments and the MCA company is being paid back incrementally in small payments, that makes it tremendously easier for the owner to make sure the payments get made. And it doesn’t hurt as much emotionally because the payment goes to the MCA company before it even ends up in their bank account.

This is called the split withholding method. Most MCA companies and businesses alike prefer this method.

Financing Innovations
As the business environment improves and many more people enter the exciting world of entrepreneurship and starting their own small businesses, the marketplace will need to keep up with new innovations to finance these new ventures. The economy depends on it.

Merchant cash advance is one of those innovations that small businesses can utilize to keep them in business and take advantage of growth and investment opportunities that may come up.

Do you need a small business loan?

Apply now