merchant cash advance companies what is it

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

merchant cash advance companies what is it

Small business owners seem to have so much working against them as they get their business off the ground. You need money to make money. You can’t secure funding for your business without significant savings, an immediate profit, or without investors willing to provide you with more funding when it’s necessary. You can’t apply for a small business loan without meeting specific requirements, and most small business owners with a young business do not meet those qualifications. What happens when you need funding for your small business, and you have no way to secure it?

Small Business Loans

Small business loans are the go-to method of funding a small business, but these loans are not readily available to small business owners who don’t meet very specific requirements. Your business needs a great credit score, which takes time to build. You need a good personal credit score to qualify for a business loan. Your business won’t meet the requirements if it’s not already established. You can’t have a small business loan without a detailed business plan, and it must then be approved by a lender. They must see that your plan is detailed down to every last dollar they are lending you, and they must be able to see how your plans for their money will guarantee your business generates more income to repay them with. It’s a lengthy process, and it can take you months of business proposals, paperwork, and application work to either secure a small business loan or find out you’ve been denied the loan you need.

The Alternative to a Small Business Loan

If you don’t qualify for a small business loan or have the time to wait for one to be funded, what do you do? You have one option. You can apply for a merchant cash advance. It’s not a loan, but it is funding you can use to help your business grow or to replace, repair, or purchase new items to help your business succeed. A merchant cash advance works simply, and you only need the following to apply.

– Bank statements
– List of credit and debit card sales
– Voided business check
– Credit score
– Business tax return
– Driver’s license

Once you submit this information, you wait just a few days for funding. A merchant cash advance is typically funded in just a few days. You have cash in hand to make repairs or purchases before the week is over.

Repayment options are vastly different for a merchant cash advance than a traditional loan. A traditional loan is repaid monthly in one set payment amount. You can pay more than the payment to help lower the amount of principal you owe, which allows you to repay the loan faster and for much less. A merchant cash advance is not repaid using a monthly payment.

Merchant cash advance lenders require you to pay them a portion of your everyday credit and debit card sales. The amount of each payment you make depends on the amount of money you make that day through your card sales. The payment is higher if you have a more profitable sales day, and it’s lower when your sales are down for the day. This makes the repayment terms a little difficult to pinpoint. Most people are able to repay their cash advance in less than a year. It depends on how well your sales do any given day.

Interest Rates

The one thing you should be aware of before you choose a merchant cash advance is the overall cost of the loan. The interest rate you pay is not small. A traditional small business loan is more affordable than a merchant cash advance, which can reach into the triple digits. Your credit score is not as important to a merchant cash advance lender as is it a bank or other financial institution, but it can make your rate so high you cannot afford to repay your loan and still make money as a business. Keep that in mind before you apply for a merchant cash advance.

A merchant cash advance is a great alternative for business owners who are unable to qualify for a traditional business loan. If you cannot secure a loan through a lender with a low rate, this might be the money you need to make your business grow. However, there is a time for some business owners when you realize it’s just not affordable enough. This is when you have to sit back and wonder if there is a way you can raise money in another manner. If you can afford the repayments and you need fast cash, a merchant cash advance is what you need.

Do you need a small business loan?

Apply now