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.


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 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 Brooklyn

Brooklyn Small Business Loans

Small businesses need funding to help them build inventory, create marketing campaigns, fund payroll and more. A Brooklyn small business loan gives businesses a leg up so they can build their brand. However, the application process can seem intense for new business owners. Taking time to prepare makes the process more manageable. Knowing what to expect is half the battle. The following are some tips on how to organize and prepare so you can get the funding you deserve.
Know What You Need
Small business owners need to get organized before they walk into a lender’s office. This means collecting important documents, knowing what you need and appearing as confident as possible. Lenders want to invest in businesses that will succeed. After all, they want their money back and would love to work with a business for quite some time. The first step is to make sure you 100% need the small business loan Brooklyn, NY. For example, are you trying to grow the business or need a steady stream of income? It is also important that you know your desired amount. Asking for too much money only means you will owe more money with interest in the future. Being smart about the loan amount and having important tax documents and proof of viability makes you more appealing to a financial professional.
Research Your Credit
Credit is the currency in the small business world. Lenders will look at your credit history to see if you are a responsible person to lend to. Take some time to research your credit score, making sure there are no errors on your report. If you are lower than you would like, make sure you have answers to those questions. For example, you may have made some mistakes in college but might now have a superb track record. Lastly, lenders might overlook low credit scores if your business is succeeding both in marketing and financially.
Remember that there is a difference between your personal credit score and your small business credit score. You have the chance to establish a line of credit as an organization, and it is important to make strides in this direction: opening a business credit card and making sure your taxes are filed on a timely basis. If you pay creditors on time and show a healthy business credit history, your Brooklyn small business loan application will look even more alluring. This comes with some serious benefits: low interest rates and favorable terms.
Know Common Credit Mistakes
Common credit score mistakes include paying bills late, even a couple of days, not paying off your credit card every month, and not understanding your credit utilization (i.e. how much credit you have available each month). The best way to calculate credit utilization is to divide your balance by the credit limit and to multiply by 100. Experts recommend staying under 10%, if possible.
If you have a low credit score, all is not lost. Try to improve your financial situation before applying for the small business loan. Lenders love when people are actively working on their credit history and might take a chance on you if you show a good recent history. The first step is to get your credit reports from all of the main agencies. Business credit reports are available on Nav and CreditSignal. Make sure all mistakes are removed, which can have a huge impact.
Next, it is important to pay off any outstanding balances ASAP. Just calling creditors and working out a plan will make you look more responsible to lenders. If you have any tax liens, handle that right away. Paying off the whole debt is important but even a payment plan makes you look better.
Lastly, it is okay to open new lines of credit as long as you are responsible. This will help you build your credit. When possible, try to use less than 30% of your available credit to show you are responsible with this money. There are credit monitoring services that can help you maintain your financial situation. Consider these if you want to stay on top of your small business and personal credit scores.
Come in with a Budget
Brooklyn small business loan lenders love when small business owners come in with a specific plan. If you have budget for why you need this loan, how you will spend it and how you will repay it, you look responsible and like an ideal client. Take some time to inflate numbers just slightly in case purchases end up being a bit more expensive. Make sure you cite where your information is coming from. For example, if you need to invest in equipment or want to invest in a brick and mortar store, then you should have receipts or quotes on how much this costs and from where. Take time to think about how you will explain the impact these purchases will make on your business (i.e. why this small business loan is important). Lenders better understand the importance of this brooklyn small business loan when they see numbers, research and a clear vision for how it will be spent.
Have Your Documents Ready
Take some time to get organized and look at your financial documents for the past year or two. This means looking at not only your tax forms but the amount of money coming in every month, the amount of money going out and any trends. Experts recommend bringing in the profit and loss statement, balance sheet, and cash flow statement. Invest in a binder and get yourself organized. You can even build a marketing and public relations section to show how your business is viewed in the community. Lenders love to see how money is coming in and out. By knowing your own financials, you can explain how you are making money, what your major costs are, and if you are or will be profitable.
Anticipate the Questions
Brooklyn small business loan lenders will have a lot of questions for small business owners and managers. For example, if one month had increased expenses, they will ask about this. Take some time to develop clear and concise answers to any potential questions. If your business is not yet profitable, you want to explain why and how this potential loan will boost you up to profitability. Clear responses show that you have a vision for your business and that you know how to build it.
Shop Around for Rates and Terms
It is okay to talk to more than one lender for the small business. After all, you want to work with a financial group that cares about you. If you do not feel supported or feel like the loan officer is not clear, it is okay to leave. You may need a Brooklyn small business loan, but you do not have to sign your life away. There are many banks and financial organizations offering funds to small businesses. Shop around to find the best interest rates.
The Offer
Once you receive an offer, take some time to truly understand its details. For example, there is a difference between interest rates and APR. An interest rate is the amount of the principle of the loan that the lender is charging you for this loan. The APR is the yearly average of the amount of interest, fees and service charges you will end up paying. You want to pay attention not only to the interest rate but any fees associated with the loan. Every bit counts as you are building a business. Do not take the first Brooklyn small business loan you see without weighing its costs.

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"
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
$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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