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 KY

Small Business Loans KY

There are plenty of small business loan opportunities in Kentucky. However, you need to know how to qualify for them.
If you haven’t applied for small business loans in Ky, the process can be confusing. After all, there are hundreds of lenders with different requirements. How should you even begin the application process?
At DelanceyStreet, our mission is provide customers with information that will help them make the right loan decision. Here’s what you’ll need to know about applying for small business loans in Ky.
You’ll need a business plan before requesting a KY Small Business Loan
Developing a business plan shows that you are intentional about growing your small business. Lenders respond well to applicants who have developed a clear plan of action for their small businesses.
Not only does a business plan provide lenders with information about your business strategy, it enables them to see your plan for repaying the money. Owners who follow a business plan are more likely to repay a loan than business owners who don’t implement a clear strategy.
If you don’t have a business plan, all is not lost. You can create one in a few hours. Your business plan should include a marketing strategy, company description, list and description of products (or services) and other relevant information about your business.
Your personal and business credit scores matter.
Lending money to business owners is risky. When lenders review applications, they assess your credit scores to determine if you’ve been a responsible borrower in the past.
If you have a good credit score and repayment history, you won’t be disqualified for small business loans in Ky based on your credit score. However, if you haven’t been responsible with your credit in the past, you’ll have to clean up your credit report before you submit your application.
Your personal credit report is maintained by Equifax, Experian and TransUnion. Take a few moments to check your credit reports and FICO scores. Look for delinquencies, unauthorized charges and errors.
If you see an error or an unauthorized charge, dispute it with the credit bureaus. If you have delinquent debt that you have not repaid, set up a payment plan and pay it in full.
Your business credit report is maintained by Dun & Bradstreet, Experian and Equifax. Take the same actions with your business credit reports.
Learn about the lender’s regulations and requirements.
Depending on the lender, the entire KY small business loan application process can take up to 90 days. It’s essential that you know the lender’s requirements so you won’t waste their time and yours.
Make a list of the documents that you’ll need. Prepare each document according to the requirements. Typical KY small business loan documents include:

  • Articles of Incorporation
  • Commercial leases
  • Business and personal bank statements
  • A driver’s license
  • Financial projections
  • A resume
  • Income statement
  • Balance sheets
  • Tax returns (personal and business)

Offer collateral to guarantee the KY small business loan.
Providing your lender with collateral reduces the risk for the lender. If you default on the loan, the lender has valuable property to sell. This will help them recoup some or all of the loan amount.
Examples of collateral include business equipment, inventory, vehicles or inventory. When you apply for an SBA loan, you’ll be required to provide collateral and a personal guarantee of at least 20 percent of your business.
Collateral requirements vary according the the lender’s guidelines. Some lenders require collateral. Other lenders offer unsecured small business loans in Ky.
Small business loans in Ky are available to business owners who meet the qualifications. Take these steps to improve your chances of getting approved for a small business loan.

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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If you have questions, feel free to shoot us an email, or fill out our live chat.

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