Infinity Capital Funding

Small business owners can use loans to grow their business. You can use the funds however you wish.

1

Cover Expenses

Pay for any unexpected expenses that arise using our business loans.

2

Invest in your business

Use the business loan to grow your business however you wish.

3

Liquid

Keep the cash on hand for future expenses.

4

Payroll

Use the business loan to pay your employees.

5

Equipment

Buy new equipment to grow your business.

6

Staff

Use the business loan to hire new employees.

We Fund Fast

24-48Hrs

Loans up to

$ 10 Million

Google Rating

5 Stars

PARTNERS FIRST.
LENDERS SECOND.

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.

Trusted

We're frequently interviewed by major media organizations.

Easy Application

All it takes is one application, and we handle the rest for you.

Service

Service is key. You can ask for advice on ANYTHING and we'll bend over to help.

Experts

Many of our team members are former business owners, and understand your challenges.

Customized

We customize each loan for you, and to your unique specs. Everything is customized.

Universal

We help virtually any industry, any business, anywhere in the USA. It doesn't matter.

Nationwide

We fund business loans nationwide. It doesn't matter where you are, we can help you.

Honesty

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

Infinity Capital Funding

A Quick Guide To A Merchant Cash Advance

Running a business is one of the most stressful things you can do in your lifetime but it could be the path to financial success as well. Every step of the entrepreneurial journey comes with a few risks and issues so you must fully utilize all tools in your disposal. These troubles are prevalent even when you are just starting up your own venture.

One of the first hurdles for any entrepreneur is creating the capital to start up their planned business. There are many ways to raise initial funds. Some resort to digging deep into their own savings. There are also those that launch campaigns on crowdfunding platforms. Then there are others that resort to merchant cash advances. While this is a viable option for you, you must at least fully understand what the concept is.

What Is A Merchant Cash Advance And How Does It Work?

merchant cash advance (MCA) is one of the possible ways for you to raise funds if you are planning on running a small business. Like most capital raising methods, it has its advantages and disadvantages. It is also more effective for certain types of businesses but we will get to that later. For now, let us understand how it works.

During an MCA, a company sells a portion of its upcoming sales in exchange for cash upfront. Generally, entrepreneurs that get into MCA agreements use the cash to pay for operational expenses which will help them move onto bigger tasks. It may sound like it is a loan, but you should treat MCAs differently.

The amount you can borrow will be based on your business’ average credit card sales. As such, financial institutions that offer MCAs will most likely inspect your credit card sales between a set period. Although the loanable amount varies, you can expect to receive around 50% to 250% of your credit card transactions.

You can repay MCAs in a multitude of ways. However, the most common repayment method is by allocating a percentage of your daily credit card transactions to the firm you borrowed from. This percentage you pay is typically called as either as a holdback or a retrieval rate. The repayment period will vary depending on the contract but it typically lasts for 3 months to over a year.

What Are The Advantages Of A Merchant Cash Advance?

One of the best pros of getting in an MCA deal is that you can get capital quickly. Most firms release the loan in a matter of days. Whereas in banking institutions, loans could take weeks or even months before getting approved. If you are in need of immediate upgrades or maintenance work, then an MCA deal is the perfect way to raise funds.

Getting approved for an MCA is also easier than getting a loan from lenders and banking institutions. So long as you have a decent credit sales history, you are most likely going to get approved. Even if you didn’t make a lot of credit transactions within a set period, the firms can adjust your loan to get you approved.

MCAs also don’t require any collateral or credit, unlike loan agreements. This basically means that the deal won’t have any effect on the credit score of your business.

What Are The Disadvantages Of A Merchant Cash Advance?

While its advantages are great, the cons of an MCA are worth looking into as well. First off, MCAs are very costly. Before you get into an MCA agreement, you must study the future revenue and growth of your company. Since repayment is often done on a daily basis, you might struggle to keep up with other expenses.

Another issue with MCAs is that these have fixed values. If you are having problems with cash flow, then it is likely that you are going to have a tougher time repaying your MCA. Fixed value repayments are present in most financing methods however so there is no escaping this disadvantage.

Is A Merchant Cash Advance Right For You?

There are a lot of variables to consider before applying for an MCA. As we’ve said before, it works better for certain business types. Most particularly, it works well with retailers and restaurants. This is because these establishments get daily customers that could pay with their credit cards. If you are running, let’s say a gym, where customers often pay on a monthly basis, then an MCA should be the last of your options.

You should also see to it that you have a good track record when it comes to sales. As with most loans, you will need to first guarantee that you can pay it back. If your business has been in the slumps during the past months, you should not get an MCA even if the approval rates are high.

Hopefully, this guide gives you a better understanding of what an MCA is. Before you get into these deals, be sure to weigh your decisions first.

Do you need a small business loan?

Apply now