Hunter CarolineBusiness Loans and 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

Hunter CarolineBusiness Loans and Merchant Cash Advance

If you’re looking for a way to finance your business but don’t feel you’re ready for a bank loan, there’s many other options out there including a merchant cash advance option. This is also sometimes referred to as a merchant capital advance, and it can come in quite handy when you need some extra capital to buy new equipment or even hire new or temporary staff. Who uses a merchant cash advance? Business owners from all kinds of industries whether they’re retail or sales based, manufacturing, mechanical work, IT or just about any other industry can use MCAs. But why choose this financing option over others?

Qualification Is Much Easier Than Bank Business Loans

Getting a business loan from your bank can be one of the biggest and most time-consuming tasks business owners ever have to take. Many of these loans need extensive documents detailing all the business earnings, taxes, structure, profits and losses, registration, real estate documents, and most loan officers need to see years worth of these depending on the loan you go with. Not only is it difficult to gather up all those documents, you also usually have to have a very high business or personal credit score, and you have to wait a while before you can get approved. This is because usually bank loans require business and sometimes personal assets to be used as collateral, even if you apply for an unsecured loan. The good news is merchant cash advances don’t come with nearly as many of these roadblocks.

MCA providers will need to see some financial documents, but not usually going back years and not usually in as many intricate details as bank loan officers do. That’s because MCA providers aren’t subject to the same kinds of regulations that can make getting a bank loan difficult, and their personal and business credit score requirements aren’t usually too high. Plus a merchant cash advance is actually not a loan even though there are a few similarities. But what it actually is is an advanced lump sum payment made to you for future credit card sales, and each credit card sale you make will have have a deduction that’s also known as a holdback percentage that will be applied to repaying the advance until it’s completely paid off. Generally speaking most MCAs are meant for short-term uses, but sometimes they can be structured for longer terms.

Things You’ll Need To Qualify For A Merchant Cash Advance

Every MCA provider will have their own qualifications for applicants, but as previously mentioned you don’t usually need financial documents going back years like bank loans require. But usually you do want to have been in business long enough to point to a good monthly credit card sales record and show that you’re doing well enough to be able to pay off the MCA in fairly reliable timing. There may be a few other documents an MCA provider will want to see, but usually you can expect the review and approval time to be very quick with some providers being able to issue you your funds the same day.

Repaying The Merchant Cash Advance

Paying off a merchant cash advance fluctuates with daily sales volumes with larger sales meaning a higher repayment on that day, and slower periods meaning lower deductions. This can be a benefit for business owners who may go through periods of slower sales and would struggle to make an installment payment on a loan during those times. Be aware though that most MCA providers want to know that you’re encouraging credit card purchases and not cash or checks since doing so could trigger a default.

Other Things To Consider

Before you apply for a merchant cash advance, you still should consider a few things that may or may not make it the best option for you. While most MCAs can have a wide range of financing amounts, some may require a minimum of at least $10,000 and may have a maximum of a little over $100,000. Also, while they don’t technically have interest rates, their factor rates which do have fees calculated into the final payment amount are included. But if you’re a new growing business and you’ve done your homework on MCAs, you can apply for one today if it’s right for you.

Do you need a small business loan?

Apply now