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 Dallas

Dallas Merchant Cash Advances

Business owners of all types know that cash is key to remaining operational. When cash flow is healthy, it’s easy to maintain and even grow a business. During slow seasons or when there’s not enough cash to take advantage of a growth opportunity, the business owner looks for additional financing. That’s where the idea of a merchant cash advance comes into the picture. Here are some things you should know about this financing option before you decide it’s the best choice for your business.
So What is a Merchant Cash Advance?
A merchant cash advance is financing obtained from your merchant service provider. Essentially, it involves extending money that you and the provider agree will eventually be generated by your sales. The provider extends the money in a lump sum. In most cases, there are no restrictions on how you can use the advance.
How Does It Work?
While providers vary somewhat in how they evaluate applications for advances, the typical approach is to look at the merchant’s monthly business volume. Specifically, that’s how much volume the merchant generates through the provider. Based on the amount and the consistency of volume from month to month, the providers agrees to advance up to a specified sum.
The repayment process involves the provider withholding a percentage of each transaction conducted until the balance is repaid in full. That includes the original advance amount plus any additional interest or fees that apply. Once the advance is repaid, the merchant is free to request another advance from the provider.
What Advantages Come With a Merchant Cash Advance?
There are several key advantages that make this type of advance attractive. One has to do with the quick application process. Compared to other financing options, the merchant provides only a minimum of information.
Another benefit is that the merchant’s credit rating is not really a factor. The primary focus is on the business volume processed through the provider. That’s because the provider will incrementally recoup the investment in the merchant by retaining a small percentage of each transaction.
There’s also no need to pledge collateral of any kind. The merchant is still free to do anything with the company assets that he or she wishes to do. Funding is also fast and easy. In many cases, the funds will be in the merchant’s operating account in no more than one or two business days.
Are There Any Drawbacks I Should Consider?
Along with possible advantages, there are a few potential pitfalls surrounding merchant cash advances. The interest rates are typically much higher than traditional bank loans or lines of credit. The merchant must also be prepared to deal with the lower amount of daily cash flow, since the provider is keeping a percentage of each processed transaction.
If you were thinking about shopping around and finding a different merchant account provider, that will have to wait until you completely repay the advance. Even if some issue arises and you really want to find another provider, you must pay off the advance in full or face the potential for some serious legal problems.
Is a Merchant Cash Advance Right for Your Business?
The way your business operates is key to whether this is the right financing option for you. Businesses like restaurants or retail stores are ideal for this approach since they generate a higher volume of credit and debit card transactions daily. By contrast, if your company sends invoices to customers weekly or monthly and only a few of them pay using credit cards, this form of financing will likely be more trouble than it’s worth.
Remember that a reputable merchant account provider will help you understand if this approach is right for you. Feel free to ask any questions that come to mind, including how the interest rate is applied, how long you have to repay the advance, and what would happen if your business volume suddenly decreased. Once you have all the answers to your questions, it will be easier to decide if an advance is a good idea, or if you should look into a business loan or a line of credit instead.

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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