Bad Credit Small Businesses Business Loans

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

Bad Credit Small Businesses Business Loans

Bad Credit Small Business Loans

If you are a brand new small business owner or have been managing your business for some time, you may be considering applying for a small business loan. There are many reasons business owners turn to a loan- new supplies, remodeling, or for daily operations. Whatever the reason behind the need, a bad credit small business loan can help out immensely. However, first-time borrowers may be unsure of exactly how business loans operate, which is where this article can come in handy.

Before You Begin the Process
You will need to know the type of financing that is best for you before you commit to a loan. For example, if you only need a small amount at the moment, a business credit card may do the trick. However, a loan from an actual lender is often the only way to secure the cash needed to get the job done. Just be as prepared as possible before you make your final decision.

Your Credit Score
Your credit score is going to factor in big when it comes to business loans. There is a good reason for it, too. You wouldn’t want to lend someone a few hundred dollars when you know they don’t normally pay back their obligations, right? The same goes for small business loan lenders. Any lender is going to take your past and present credit history into consideration before approving you for a loan, so you want to be sure it is as good as it can be before you even apply.
Your actual score will also affect the type of interest rate you receive once you are approved. Again, the better your score, the better your rate.

Personal Score vs. Business Score
Many first-time business owners use their own personal credit to get their business off the ground. Unfortunately, this can cause issues when it comes to taxes or when applying for a loan. It’s best to keep your personal credit separate from your business credit if possible. Not only that, establishing business credit early allows you to build up a good history.
No matter what; however, your credit history will play a huge part in not only what type of loan you can get, but the interest rate that comes with it. If your credit history is poor, you may not be approved for either a new business credit card or a loan, so take the necessary steps to improve your score before you even apply. When the lender checks into your credit history and finds a great score, they will more than likely approve you for the loan you want.

Tips for Improving Your Score
To begin, you first need to access your credit report. This can be done for free nowadays, due to the Fair Credit Reporting Act. Don’t assume that your credit history is good just because you have some credit cards or you pay your bills. You may have surprise charges or issues on your report that you aren’t even aware of, so be sure to check before you apply for any type of loan. Two good places that are legit and reliable are Credit Karma and Once you have accessed your free credit report, take the time to scrutinize the individual reports and fix any problems you may find. For example:
•Are there errors? Look for debts you paid off in the past but haven’t come off of your report yet. Contact these creditors until they are removed.
•Pay the debts off now. You may think paying on old debts isn’t going to help, but it will. Once they are completely paid off, your score will go up.
•Do you have any tax liens? If so, reach out to the government entity responsible, whether it is state or federal, and ask how to pay it off as quickly as possible. They may offer a payment plan that you can utilize, but the quicker you pay it off, the better.
•Hire a company that monitors your credit report. Many credit monitoring companies charge just $20 per month or less to monitor your credit and make sure there are no surprises or fraud.
You will want to fix any and all credit problems as soon as possible to improve your score. Just remember, you should always pay your bills on time and pay more than the minimum balance as often as you can.

How to Approach Your Request for a Bad Credit Small Business Loan
Now that your credit is fixed, it is time to gather all the necessary documents you will need to present to a lender. The first step is preparing your own personal business budget. Consider everything that the loan money will be used for once you are approved. Draft up a business proposal that details your plans to present to the lender. Include new equipment, labor, operating costs, and anything else you will be using the loan for. Your figures do not need to be exact, but they should give the lender an idea of where your money is going.

Gather the Appropriate Financial Statements
You’ll want to meet the small business bad credit lender with the right financial statements, along with your budget. Make sure to bring copies of the following:
•Balance Sheet
•Cash Flow Statement
•Income Statement
Having these documents at your disposal will allow you to answer important questions from the lender. They are going to ask questions about your day-to-day operating costs, losses and profits, and how well you expect your business to do in the future. If you need the loan to keep your business afloat, don’t be scared to tell the lender. Just have a solid plan that you can share with them detailing how you plan to get back on track.
The lender will also want to see any financial statements you have had over the past two years, your tax returns for the last two years, and your accounts payable and receivable statements.

Don’t Forget the Fees
Remember, you are responsible for the interest rate on your loan. This is how much you are charged on top of the principal amount. Be sure you include this extra amount in your future budget.

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