Here's Who We Are

We're Fund Virtually Everything

We fund business owners nationwide, regardless of industry, credit, or time in business. We fund it all.

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We Provide Multiple Options

We have a lot of different financing options available to our clients. Regardless of your situation, we’ll have a solution for you.

Fast Approval

Our application process is completely online. You can get funds in your bank account in literally 24 hours.

The Working Capital You Need In 24 Hours.

We get you funding. It's that simple. Regardless of credit, income, or time in business - we'll fund you.


Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.


Receive application approval in as little as 24 hours. There is no credit check required.

Receive Funds

Review and return your signed agreement and get your money in as little as 24 hours.

Recent Business Loans Funded

100K Term Loan

Ambulance Service

Our client bought a new ambulance.
2019 - June
55K Advance

Truck Funded

Our client used the funds to hire new team members.
2019 - February
85K Term Loan

Restaurant Funded

Our client used the funds for restaurant equipment.
2019 - May

Get a Decision in as Little As 30 Seconds

We’re Fast. We Help Regardless of Credit. WE HAVE A SOLUTION FOR YOU.

Apply Online

We have a completely online application process, which is simple and easy.

Get Offers

We'll match you with the best loan offers we have that are financially responsible.

Get Funded Quickly

We'll fund you the same day you accept our offer.

How Delancey Street Works

Fill Out Our Application

Answer basic questions about yourself and fill out our entirely online application. Each loan has its own online process.

Meet Your Concierge

We'll pair you with an experienced Delancey Street specialist who will reach out to you, and understand your needs. We'll try to determine which financial product is right for you.

Compare Our Loan Offers

We give you a few different loan offers based on your scenario and what options you qualify for.

Choose Your Loan

Once you've chosen a loan that works for you, we finalize it and start getting the documents needed.

Get Funded

Once we get all of the documents back, we'll get you funded ASAP.

We Help You Grow

After you get funded, your Delancey Street concierge specialist will keep in touch to make sure you're happy and doing well.

Business Loans

Get business loans ranging from 3 months to 18 months
No credit score requirement, we have a program for everyone
We can fund up to $5 million in virtually 24 hours

Debt Relief Programs Compared Small Business Loans


Debt Relief Programs Compared to Small Business Loans

Getting out of debt or securing funding for your small business can be challenging. Two options to consider are debt relief programs and small business loans. This article from Delancey Street will compare the pros and cons of each, so you can determine the best path forward.

Overview of Debt Relief Programs

Debt relief programs help consumers settle unsecured debts like credit cards, medical bills, and personal loans for less than the full amount owed. They negotiate with your creditors on your behalf to reduce the total debt burden.Some key things to know:

  • You’ll stop paying your creditors directly and instead save up for settlement offers in a dedicated account. This can hurt your credit score but may help you settle for less.
  • Fees are typically charged as a percentage of enrolled debt, often 15-25%. So $10K of debt would incur $1,500-2,500 in fees.
  • Your creditors may sue you during the program, but a good debt relief company provides legal support.

Debt relief can provide relief from overwhelming debts, but be cautious of scams. Legitimate companies won’t charge upfront fees or make unrealistic promises.

Overview of Small Business Loans

Small business loans provide funding that can be used for various business purposes like payroll, equipment, renovations, and more. The two main types are:

  • SBA Loans: Offered by the Small Business Administration, these loans come with guarantees and other incentives. The main types are 7(a), 504, and microloans.
  • Conventional Loans: Offered by banks/lenders without SBA backing. These include term loans, lines of credit, and invoice financing loans.

Interest rates, terms, and eligibility requirements vary. A credit check and collateral may be required.

Key Differences

Here are some key ways debt relief and small business loans differ:

  • Purpose: Debt relief eases unsecured personal debts, while small biz loans provide business funding.
  • Eligibility: Debt relief is for consumers with unsecured debt burdens. Small biz loans have requirements like time in business.
  • Cost: Debt relief has fees based on enrolled debts. Biz loans charge interest and origination fees.
  • Credit Impact: Debt relief may hurt your personal credit. Small biz loans check business credit.
  • Collateral: Debt relief is unsecured. Small biz loans often require collateral like equipment.

Which is Right for You?

So how do you choose between debt relief and a small business loan? Ask yourself:

  • Do I need to reduce personal debts like credit cards? If so, a debt relief program may help.
  • Do I need funding to grow my business? If so, explore small business lending options.
  • Can I qualify for a small business loan based on my credit/history? If not, debt relief may be a better fit.
  • Can I afford the fees charged by debt relief companies? If not, a small biz loan with interest may be more affordable.

Speak to a financial advisor to discuss your specific situation. But in general:

  • If you have overwhelming personal debts, debt relief may provide relief. Just be cautious of scams.
  • If you need funding for business purposes, small business loans can provide financing, if you qualify.

Pros and Cons of Debt Relief Programs


  • Settles unsecured debts for less than owed
  • Stops collections calls and lawsuits
  • Provides legal support if sued
  • Helps when you can’t repay debts in 5+ years


  • Damages your credit score
  • Creditors may refuse to negotiate
  • Risk of scams and hidden fees
  • Taxed on forgiven debt

Pros and Cons of Small Business Loans


  • Provides funding for business needs and growth
  • Variety of loan types based on purpose
  • SBA loans come with guarantees and incentives
  • Allows you to build business credit history


  • Requirements like time in business and collateral
  • Debt remains and interest/origination fees are added
  • Personal credit check required for some loans
  • Defaulting can hurt your credit and put assets at risk

Alternatives to Debt Relief

If you don’t want to use a debt relief company, some alternatives include:

  • Contacting creditors directly for hardship programs
  • Using a non-profit credit counseling agency
  • Trying strategies like balance transfers or debt consolidation loans
  • Working with a bankruptcy attorney if options are limited

Applying for Small Business Loans

When applying for a small business loan:

  • Have your business plan, financial statements, and required documents ready
  • Check lenders like banks, credit unions, and online lenders
  • Compare interest rates, terms, fees, collateral requirements
  • Consider both SBA and conventional loan options
  • Improve your personal/business credit score if possible

Getting professional support can help ensure you make the best financial decision for your situation. Contact Delancey Street today to discuss your specific needs.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

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