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


About Merchant Cash Advance and how to Handle it
According to statistics from the Consumer Financial Protection Bureau, about one million businesses in the USA have accounts of cash advance. This figure makes it not as popular as the rest of the funding sources. Nevertheless, it has numerous businesses quickly access capital or cash flow needed for their daily costs.

Do you need quick cash for your business yet you don’t have it? Merchant advance cash could be your solution. However, before taking this idea into action, let’s delve into it and understand the ins and outs. Any financial decision, especially for your business, requires a careful and calculated thought. In a different perspective, a merchant cash advance is more like a transaction than a loan.

Unlike a loan, a merchant cash advance is upfront money lent to a business owner. The advance is given in consideration to your future income as a business person. Every time you receive a credit card payment, the advance is deducted until the entire amount is fully repaid. The creditworthiness of the borrower determines the amount of most loans and advances.

This is similar in merchant cash advance. Business people who receive large credit card sales qualify for a bigger loan than the rest. Repaying the advance begins as soon as the business owner gets credit card payments. Repayment period could be as little as three months or as long as eighteen months.

Benefits for MCA

If you don’t have time for paperwork and bureaucracy at the bank, merchant cash advances are your option. They are quick and offer within a week of requesting them. All the provider needs is to evaluate your business’ credit card sales and determine how much you will get.

You will not lose your business, home or any other valuable asset. Merchant cash advances are unsecured. Apart from an impressive record of credit card sales, no collateral is required. Such unsecured advances leave the liability to the provider. When applying for the advance, your provider will need your guarantee of paying back. The contract will be used as a legal document in case of anything.

The amount of repaying is as per the credit card sales your business is making. This is an advantage for you as the business owner. Even when the sales drop, you will have no pressure of meeting a certain fixed amount. The repayments will be a portion of the sales you make.

A business person stands to have higher creditworthiness with merchant cash advances than other loans. The provider may not even look at the borrower’s credit score, which increases the chances of the borrower qualifying for more money.

Demerits of MCA

All fees and annual percentage rate considered, merchant cash advances are more expensive than traditional loans in the bank. Unless you lack another option and urgently need cash, let MCA be your last resort. Cut your costs by choosing another funding source with a less financial negative implication.

Instead of higher sales benefiting your business, they will incur more annual percentage rate if you have a merchant cash advance. The APR relies on total fees as well as how soon you repay the advance. Slow repayment will take long by spreading out over a long duration of time. However, your APR will be low. On the other hand, the APR is higher for business people who pay fast and use a short duration.

While other types of loans or advances give an offer for borrowers who pay early, merchant cash advance does not. If anything, finishing your repayments early will only increase the annual percentage rate. Refinancing still does not exempt you from the fees agreed upon. In some instances, some borrowers receive a penalty for early payment.

A merchant cash advance does not have federal oversight. This indicates that it lacks regulation beyond the Uniform Commercial Code. Such loopholes expose business people to harsh terms and unfairness. Each state has its commercial code, which may not be comprehensive. It explains the different terms and increased costs, which differ from other forms of loans.

A possible vicious cycle of debt could trap business people, mainly if they don’t qualify for other types of loans. Before you finish repaying one, your business requires you to take another advance. Also, paying a lot of money every day could strain the cash flow of the business. Unlike other loans, merchant advance cash demands payment from daily sales through credit cards.

Merchant cash advances are meant for business people requiring a quick source of capital. They are easy to get and will serve your purpose, but they also have shortcomings. Due to the numerous issues surrounding them, business people use them as a last resort. However, it does not mean they are ill-advised. Weigh your options carefully and choose the solution that suits you best.

Do you need a small business loan?

Apply now