DELANCEY STREET

Here's Who We Are

We're a Direct Lender

We’re a direct lender who funds small business owners nationwide, regardless of industry, credit, or time in business. We fund it all. GUARANTEED.

Apply Now

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.

Apply

Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.

Approval

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 Funded Business

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 Private Money Lenders

Private money lenders provide a vital resource for Oakland homeowners and real estate investors. With Bay Area property prices continuing to climb into the stratosphere, professional investors and average homeowners alike continue to build equity in their properties. As great as the price increases may be, there are many homeowners and real estate investors being frozen out of this vast wealth-building opportunity.
They are being frozen out by retail banks. Beholden to stockholders, loan committees, and government regulations, retail banks provide little flexibility in their lending terms. This rigidity harms real estate investors who need fast closings on nonstandard properties and homeowners trying to navigate difficult financial times in the Bay Area, where the cost of living continues to rise.
Private money lenders provide both a method of financing nonconforming deals and provide a lifeline to distressed borrowers.
Lending based on asset values makes it possible
Private money lenders, also known as hard money lenders, help borrowers where retail lenders cannot because they base their lending decisions on the value of the asset, not the borrower’s credit score or income. When they evaluate a loan opportunity from a real estate investor, they are able to appraise the value that the investor brings to the property through plans to rehab and sell the property at a profit, making private money lenders a great option for investors looking to fix and flip houses in the Bay Area.
Distressed homeowners have a way to save their home equity
Though the Bay Area’s housing market may be booming, households still have to navigate very high costs of living. This means that if something happens that breaks the budget, families can find themselves deeply in debt. A job loss, medical expense, illness, or some other event can leave homeowners behind, and catching up can seem nearly impossible.
Often, distressed homeowners try to refinance with a retail bank but find that their recent credit woes disqualify them. If they have had a change of circumstances that caused a loss in income, getting a new mortgage can be all but impossible. Because retail banks look at credit score and income, homeowners can find themselves locked out of retail-bank mortgage opportunities.
When homeowners have built up equity in their property, which often represents all they have, losing their homes to foreclosure is a devastating blow. Tens or even hundreds of thousands in equity can be lost. When the home is sold at auction, the bank simply collects its money, leaving nothing for the homeowner.
Borrowers in this circumstance can save their homes through a hard money loan. These loans generally require a loan-to-value ratio of 80 percent. With an 80 percent loan-to-value ratio, the loan amount can be no more than 80 percent of the home’s value. Because Bay Area prices continue to climb, many homeowners meet this criteria, even if they are in mortgage arrears.
A hard money loan provides distressed homeowners with the funds they need to get our of foreclosure. Then they are free to either sell the property and take their equity out or refinance into a traditional loan, once their finances are back on track.
Nonconforming real estate investment loans
When real estate investors find great fix-and-flip opportunities, they need to jump on them. Competition is fearsome. Private money loans provide the solution because they are granted quickly, often in just 24 hours.
Unlike retail bank loans, private money loans allow investors to qualify for a loan based on the value of a fix-and-flip property after the repairs are completed. This means they can loan 80 percent of the value that they will ultimately sell the property for, which allows them the cash they need to complete the project. This type of forward thinking, investment-based lending doesn’t come from retail banking institutions. It comes from private money lenders who understand what it takes to be successful in the art of flipping houses.

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"
Leo
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
Jason
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
Mary
$250,000 Hard money Loan

In The Media

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
Delancey Street CEO discusses management on AMEX.
WHAT ARE Asset-Based Loans?

What is an asset based loan? An asset-based business line…

101 Things you need to know before you apply for an SBA loan

101 Things you need to know before you apply for…

ESOP

ESOP – employee stock ownership plan, is a qualified employee…

Financing Small Businesses: How It Helps The Entire Community

Small business financing is a great thing, but many people…

Here’s Every Document You’ll Need to take a Small Business Loan

Documentation and paperwork is the single largest obstacle to most…

Delancey Street understands funding like no one else!
Steven Norris
Get Funding Today

Ready To Get Started?

If you have questions, feel free to shoot us an email, or fill out our live chat.

Apply Now