New Jersey Small 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

New Jersey Small Business Loans

New Jersey Small Business Loans

The first or even third time you apply for a New Jersey small business loan can be a harrowing experience. This is especially true for first-time business owners who may not know exactly what they are getting into. It’s very important to know what you will be faced with when you apply for a loan before you actually apply. There are a number of factors that will affect the loan process, and some of these factors can be worked on beforehand.

Understanding Financing
Before you fill out that New Jersey small business loan application, know what kind of financing you will need. Many business owners need a loan from an actual lender, while others can make due with a business credit card. You should always be prepared with facts about each avenue before you make the final decision concerning your finances.

Credit History- The First Step
A lender, whether it is a personal lender or a business credit card company, is going to look into your past credit history to ensure you have a history of paying your bills. After all, no lender is going to want to lend you money if you have a history of skipping out on your financial obligations. A credit report is what will tell a lender if you are a good match for their type of loan. Your score will give them a jumping point for the loan. Additionally, even if you have good enough credit to be approved for a New Jersey business loan or credit card, the score will also affect the various loan terms once you receive it. Improving your credit history before you apply for a business loan is the best possible course of action.

Personal Credit Scores
Too many business owners do not realize that their personal credit score matters to lenders. Your past and current credit history will show lenders whether or not you are the right fit for a loan. Paying your bills on time, especially paying more than the monthly minimum, will give you a better chance of securing the loan you want. Lenders do look at your personal scores, so make sure you keep that number as high as you possibly can.

Business Credit Scores
It is important to keep your business and personal credit scores separate. This is sometimes easier said than done, especially for first-time business owners. The problem occurs when the person then tries to apply for a New Jersey business loan. Even though a lender will look at your personal credit history, it does not hurt to keep things separate, especially when it comes to taxes. Again, keep your business bills paid in order to put yourself in a better financial position to receive a loan when you need one.

Your Credit Score
You can access your credit report for free, thanks to the Fair Credit Reporting Act. Don’t let surprises on your report hinder you from getting a business loan when you desperately need one. There are many websites that offer free reports, such as and Credit Karma. Knowing your score will give you the incentive to fix any credit problems which will hopefully improve your chances of a New Jersey business loan.

Tips on fixing your credit score:
Check for errors- Did you pay a creditor off years ago, yet it is still listed as unpaid? Contact the creditor to remove any errors you find on the report.
Take care of debts now- It’s never too late to pay off your creditors. Taking care of your past-due debts will increase your score.

Pay your tax liens- If you are dealing with any tax liens on your report, pay them off as soon as you can. You can usually apply for a payment plan, but if you can pay them off in full, even better.

Remember, it is important to fix your past credit problems in order to improve your credit score. But don’t stop there- continuing to pay your bills on time will keep your credit score where you need it to be.

Explaining Your New Jersey Loan Request
You’ve fixed your credit- now what? Hopefully, you are all ready to apply for the actual business loan. There is another step to take before you talk to a lender, and that is drafting a business budget. For example, are you planning to ask for $100,000? First, write down everything you plan to do with the money once you are approved for the loan. If you will be spending it on all new equipment for say; your restaurant, get estimates on each piece and labor costs. You’ll want to show the lender exactly what your plans are for the money. Don’t worry about being exact with your figures, but it is a good idea to be in the ballpark.

Prepare the Appropriate Financial Statements
Now it’s time to prepare your financial statements for the lender. You’ll want to have current copies of your:
•Income Statement
•Cash Flow Statement
•Balance Sheet

Having the proper financial statements allows you to answer the questions the lender will no doubt ask. They will want to know where you are getting the money to run your business right now, how much it typically costs to keep your business up and running, and whether or not your business is making a profit.

If you are currently struggling, make sure you have a solid plan that will showcase your goals and ideas. You want the lender to see that you know what can be done to improve your business and bring in money.

Preparing the Right Documents
Most business loan lenders will want to see the following documents before they consider you a candidate for their loan:
Financial Statements- A lender will want to see your balance sheet and income statement for the past two years you have been in business
Accounts Payable and Receivable- Prepare a breakdown of the money that your business owes and what is owed
Tax Returns- Most lenders will want to see your past tax returns, up to two years back

Your Offer is Ready
Now that you have an offer for a loan, remember that there will be an interest rate you will be responsible for. Every year, the lender will charge you for a percentage that is based on the principal loan amount. Make sure to budget this into your future financial plan.

Do you need a small business loan?

Apply now