Credit Card Invoice Factoring

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.

Invest in your business

Use the loan to grow your business however you wish.


Use the loan to pay your employees.


Keep the cash on hand for future expenses.


Buy new equipment to grow your business.


Use the loan to hire new employees.

We Fund Fast

24-48 Hours

Loans up to

$10 Million

Google Rating

5 Stars

Delancey Street Can Help with Credit Card Invoice Factoring

We're committed to building relationships and helping people all over the USA get access to the RIGHT loan for them. Regardless


We're frequently interviewed by major media organizations.

Easy Application

Our app process is super easy. 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.

Hear from people we’ve helped

“Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.”

- Leena, VP of Sales at Waist Karma

Delancey Street makes it easy to get credit card factoring for your business – with no personal guarantees or collateral required. We’ll get you funded within just a few days, and make it simple and easy.

Many businesses need a small business loan but the requirements, and terms, make it hard. Many businesses simply don’t qualify for a standard business term loan due to poor credit, or lack of collateral. Even if approval is a possibility, often many businesses can’t afford to make a fixed, monthly payment, nor can they afford the huge interest rate associated with the loan. In some cases, many businesses have erratic cash and it’s impossible to predict your cash flow. Many small businesses are prone to occasional dips in revenue, and don’t have cash on hand to make monthly payments.

Small business loans takes time, you need money now.

Many businesses have consistent credit card sales. This is great, because no matter what your cash flow situation is, if the overwhelming majority of your sales are conducted debit/credit card sales – there may be hope. You might qualify for credit card factoring in this case – the only requirement is that you have credit card receivables that are consistent. If you can prove that your business will increase, or maintain, it’s usual volume of debit and credit card sales – you may be eligible for credit card factoring. We can help virtually any type of business, ranging from restaurants, franchises, to retail store.

What is credit card factoring

Credit card factoring isn’t technically a loan, nor is it debt. The amount you’re approved for will depend on the revenue you get each month from credit card, and debit card, transactions. Instead of making fixed payments at some frequency, the credit card factoring amount is paid back by a fixed % of your daily debit and credit card sales. The only time you repay the funds are when you make credit card sales. This is GREAT because if you have a slow month, you don’t have to worry about being forced to make a payment for the same amount of money. In fact, you don’t have to worry about remembering to make payments at all – because all deductions are made automatically through your credit card processor after every single sale.

The fee for credit card factoring come in two percentages: the factor rate and the retrieval rate. The factor rate is similar to interest on a traditional business loan. The retrieval rate sets up how much money from your daily sales you’ll be paying to the lender until the total amount is paid back in full.

What do I need credit card factoring for?

Credit factoring is a fantastic, and versatile way, of growing your business. You can use credit card factoring to help you cover both short term, and long term, investments. You can also use credit card factoring to cover your business expenses, especially during a rough patch in your business. Some companies use credit card factoring to consolidate, and pay off, their existing debts. Bottom line, you can use credit card factoring for virtually any business expense. Either way, your main goal is to increase, or stabilize, your revenue. The influx of capital from credit card factoring is designed to help your business grow. Some businesses use credit card factoring in order to pay for inventory, marketing, staff, or equipment. You can even use credit card factoring for a sudden business opportunity that you would otherwise be unable to pay for.