Invoice Factoring Consulting

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.

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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

Invoice Factoring Consulting

A factoring company purchases another company’s open receivables because the business needs an immediate sum of money. By working with a factoring company, the company selling its receivables does not have to wait to receive payment from its customers. The factoring company makes it possible for the company that is selling its receivables to be able to pay its bills, make payroll and purchase inventory for the business.
The Benefits of Factoring Companies
The benefits of factoring companies include the following:
• These are simple transactions.
• The company receives an immediate sum of money.
• The money received is based on the money that customers currently owe the company.
• The company does not have to take on any more debt.
Invoice factoring also goes by the name of “receivable factoring” and “accounts receivable financing.” The first thing that a company must do to obtain this type of financing is contact a factoring company to begin the process. When a customer makes a purchase, the business will create an invoice for the factoring company rather than the customer. The factoring company will purchase the invoice and place an advance on the invoice total into the company’s bank account within 24 hours. In most cases, this amount will be approximately 90 percent of the total. The customer will pay the factoring company, and the factoring company will pay what is left of the balance minus a fee to the original company.
The Difference between Invoice Factoring and a Traditional Bank
Many people resort to applying for a loan from a bank when they need money for their businesses, but this isn’t easy for everybody. These people do not always have the weeks that it usually takes to be approved for business loans and business lines of credit. Sometimes, it can even take months! In addition to that, taking out a business loan or a business line of credit adds to the company’s debts.
It can even be hard to qualify for a business loan or a business line of credit because banks check a company’s credit scores before they approve a business for a loan. If the company has a low credit score or doesn’t have any credit at all, the bank will deny the loan, and the business cannot purchase what it needs to make its business grow. Sometimes, the bank will grant the company a loan, but the company may not be able to receive as much money as it needs. This will also prevent a business from growing.
Invoice factoring can keep you from experiencing the unpleasant scenarios described above. It will only take about 15 minutes to approve you for an invoice factoring loan, and your approval will be based on your customers’ credit rather than your own credit or your company’s credit. You will be able to receive plenty of money to do whatever you need to do for your business because a factoring company can offer you between $50,000 and $200,000.
The Terms of the Contract
In order to start a relationship with a factoring company, you must first enter into a factoring agreement. You and the factoring company will determine the contract’s terms. You can have a term that only lasts three months if you like, but if you need a longer term, you can choose six months. Some people have even been able to obtain a term of several years. It’s also possible to negotiate a month-to-month contract. Before you sign it, make sure that you take the time to read it thoroughly.
A factoring company will want you to commit to a set number of invoices. By doing so, you can receive the lowest interest rates and the maximum amount of advances. You may be able to receive 70 percent of the invoice amount. Sometimes, you can even obtain 100 percent, but this will be based on the creditworthiness of your customers, your volume and your pay trends.
As can be expected, you will be charged fees for this service, but they will depend on your number of invoices, customer pay trends and the industry that you are in currently. Some factoring companies will charge a flat fee, but others will charge a fee along with fees for administrative and support services. Don’t sign the contract until you know exactly which fees you are paying and the cost.
The right factoring company for you is the one that can offer you the sum of money that you need to meet your obligations. It should also have other services that will benefit your business. You may wish to do business with a factoring generalist that provides factoring services to people in all types of industries. A factoring specialist will only provide financing services for people in the same industry.

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