DELANCEY STREET

Here's Who We Are

We're a Direct Lender

We’re a direct lender who funds small business owners nationwide, regardless of industry, credit, or time in business. We fund it all. GUARANTEED.

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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.

Apply

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

Approval

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 Funded Business

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

Small Business Loans Bridal Shops

Small Business Loans Bridal Shops

A small business loan gives you the financial strength you need for the long haul:
Starting a business can be a lot of work. You’ll definitely want to make sure that everything is as perfect as possible. A small business loan can make this seem like a much easier task. Covering payroll, startup costs, furniture, equipment, and more can all be taken care of with a small business loan. The idea may seem a bit intimidating at first. This article will demystify the loan process and give you some viable options that you’ll want to consider.
The first step starts with proposing your business:
A business plan is a formal tool that’s used to introduce your business to the world. With a great business plan in place, you’ll be able to easily sell a lender on your ideas. If you’re unfamiliar with business plans, there’s loads of information available online about them. You can view real-life examples that will give you ideas on how to craft yours. Videos, courses, and much more are also available online and often for free. If you need assistance in writing a plan, you’re not alone. Consultants and freelancers help to write business plans regularly. They’ll ask you some questions and provide you with a business plan for a nominal fee. You’ll want to be as detailed as possible and read over the plan. Modifications are often standard and may be included in the pricing. After you have a strong document in your hands, you’ll be able to create a presentation. Models, photos, drawings, and anything else that will illustrate your business is always helpful. Chances are, you’ll be interviewed and asked to present the information. You’ll want someone who has no previous experience or knowledge to offer you feedback and ask questions. This will help you prepare for the ultimate loan interview.
Credit is a major factor to applying:
Your personal credit will most likely be reviewed by any lender as a new business loan applicant. Although your credit isn’t necessarily pertinent to how you’ll run a business, it’ll give the lenders an idea as to how you operate. Getting a copy of your credit report from all of the major credit bureaus is essential. Trans Union, Equifax, and Experian will all provide you with a free copy once a year. It’s advisable that you purchase a consolidated report with all three bureaus and a FICO score. This will most likely be the information that the lender will have in front of them.
If you discover inaccuracies or negative items on your credit report:
Many people have items that are outdated still showing on their credit report. Sometimes, people will also have debts that they’ve fallen behind on or have forgotten about. If possible, it’s best to clear up any negative items simply by paying the creditor. Items that should not be reported any longer can be removed by the credit bureaus at your request. If you choose to dispute any debts, you’ll have to provide the credit bureaus with proof that the debt has been repaid or that there’s some type of legitimate error. If this is too big or too inconvenient of a task, credit repair companies will attempt to challenge the items on your behalf. However, the creditors are becoming increasingly aware that potentially valid debts are going unpaid. In turn, they’re replying with evidence that will keep the debt on your credit report. Typically, the services have proven to be successful to a certain degree for many borrowers.
Other factors that will be considered for approval:
Aside from a business plan and credit, assets will also be a consideration. The lender will want to know how much you’ll be able to make as an initial investment. The higher the amount is the more wiggle room you’ll have in other areas that may be lacking, such as credit. They’ll also want to ensure that you’ll have enough money to support yourself until the business is projected to make a profit. They’ll take many things into consideration such as the value of your property, retirement accounts, and anything else that is able to be liquidated. Also, the lender may ask you for collateral to secure the loan. With a sole proprietorship, this is often the case. It’s not uncommon for business owners to use their personal assets as collateral. However, once the business owner is able to secure financing without using personal collateral, it’s highly recommended that they do so.
Applying for the loan:
After you’ve done all the legwork, you’ll actually apply for the loan. Providing as much information up front as possible makes it much easier for the lender to make a faster decision. They may be able to give you some indication at your first meeting that will determine whether or not it’s a match. If not, there are many other sources of funding aside from a traditional bank loan.
If a bank loan isn’t right for you:
If you have credit or issues with a significant initial investment, you may want to look into other alternatives. Private investors and venture capital firms have become a popular option in recent years. These companies will overlook credit blemishes for an idea that’s clearly a winner. It’s important that your business plan is as thorough as humanly possible. Shows like Shark Tank are a good example of what it’s like to meet with a venture capital firm. If they’re interested in your business, they’ll make an offer for financing. Typically, they’ll require that they have some ownership and control of the company. For many new small business owners, this may be a blessing. For those who are inflexible from an operational standpoint, this would simply not work.
Whatever path you take, persistence is key:
Many small business owners have to apply to many different lenders and consider options they never thought of. Staying the course is the best thing that an aspiring business owner can do. It may also take a bit of work to get up to speed to even be considered by many lenders. Regardless of the outcome, the work and effort invested is well spent and will pay off significantly in time.

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.

"Super fast, and super courteous, Delancey Street is amazing"
Leo
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
Jason
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
Mary
$250,000 Hard money Loan

In The Media

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
Delancey Street CEO discusses management on AMEX.
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