Iowa 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

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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

Quick Service

We work diligently, and quickly, to help you

We’re here to answer your
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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

Iowa Merchant Cash Advance

In Iowa, you may be looking for some sort of funding to start out a business or keep it going. A loan is a decent choice, but you can also choose to use a merchant cash advance, or MCA. A MCA is technically a completely separate process compared to loans, so keep that in mind. How it works is that a financing company will give you or your business cash and you’ll pay them back with a percentage of your daily sales with a small fee. MCAs are also much quicker than loans, with funding being provided within two days; The amount you take could be as little as $2500 or as much as $250000. However, the fee makes it cost a bit more than traditional loans.

Pros and Cons of MCAs


  • Funding is received quickly
  • Approval process is easy and doesn’t require good credit
  • Can be used for a variety of business items and services


  • The daily fees make it cost more than a normal loan
  • It’s hard to switch merchant service providers while using a MCA
  • The daily fees also reduce cash flow

What You Need to Do to Be Approved for a MCA in Iowa

MCAs are a good idea if you have no collateral to provide for a loan, little to no business history or a very low credit rating; Most small businesses can qualify, although it’s recommended to have a yearly revenue of at least $180000, s credit score of 550 and two years or more of business operations.

How to Apply for a MCA in Iowa

If you want to get a merchant cash advance in Iowa, you should know that it’s a very fast process. It starts with a merchant looking back at your daily credit and debit card sales to confirm you have enough sales volume to pay back the cash advance; They may ask for personal bank statements and a credit score as well. The application is almost always online and has the possibility to be approved in the same day.
Documents you’ll need include:

  • Your driver’s license
  • A voided business check
  • Your credit score
  • Tax returns for your business
  • Bank statements
  • A credit card processing statement showing the volume of transactions coming in

Situations Where You Might Need a MCA Over a Loan in Iowa

The most obvious need that a MCA fulfills is that it provides a business with vital capital much faster than traditional loans; It can be approved within one to two business days and even be approved within the same day in some situations. You should make sure you qualify before applying by ensuring your current sales volume can fulfill the needs of the MCA’s value, as you don’t want to fill out a lengthy application just to get denied. Overall though, a MCA should be chosen if you don’t meet the requirements for a loan and/or need the cash immediately.

Understanding the Pitfalls of a MCA

Getting cash fast means paying a price, which is precisely why MCAs can be so pricey. Also, since it takes out fees from your daily sales volume, it’ll hurt the income of a business. Both of these factors combined make MCAs the most expensive lending option, so you should choose a traditional loan or something else if you have other options available.

Is a MCA Right for Your Business in Iowa?

MCAs can be a blessing to some business while being a curse to others. It’s important to fully consider your options and only use merchant cash advances when you need cash now. It will also provide a large amount of capital without collateral and/or stringent requirements; However, these benefits directly link to the high costs of MCAs. Overall, you can choose a MCA as your lending option, but you should look at other options and choose them if possible, as you’ll save more money in the long run that way.

Do you need a small business loan?

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