merchant cash advance miami

Small business owners can use loans to grow their business. You can use the funds however you wish.


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Pay for any unexpected expenses that arise using our business loans.


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Use the business loan to grow your business however you wish.



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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)

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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.


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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.

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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

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merchant cash advance miami

A merchant cash advance (MCA) cannot be termed as a loan. Instead, it is a cash advance based on the credit card sales deposited in the merchant account of a business. Once a company applies for an MCA, and it gets approved, the money is deposited into a business checking account within 24 hours or less. When compared to other lenders, providers of MCA evaluate the risks differently. For them to determine if a business can repay the cash on time, they look at the credit card receipts. However, the rates involved in an MCA are higher. If you are the business owner, take your time and evaluate if an MCA will meet all your needs.

The percentages of daily credit card sales that apply to your company’s advance from the holdback amount. In most cases, the holdback percentage is between 10 and 20 percent. However, the percentage remains fixed up until your business manages to repay the advance. For your business to manage to repay the advance fast, the number of credit card transactions needs to be high. In case the transactions of a particular day are lower than expected, the draw from the merchant account lowers. In simpler terms, the payback depends on the incoming credit card receipts.
Difference between the Holdback Amount and Interest Rate
Many companies that provide MCA charge a factor rate. Unlike the loans from banks and other providers, the rate does not amortize during the period of the advance. Depending on the provider, an MCA should be about double or triple digits.

Does your Business need a Merchant Cash Advance?
If your business needs cash to urgently carry out a project, an MCA makes much more sense. However, before taking the merchant cash advance, ensure that the business can manage to cover all the costs involved. It is important to note that since an MCA is not a loan; the providers do not report the payment history of your company to credit bureaus. Therefore, your business credit profile does not gain any strength. All businesses are advised to understand all the terms and conditions of an MCA before committing. Some big businesses have been able to acquire capital to make improvements successfully. The good thing about an MCA is that the criteria of qualifying are less stressing than the other conventional loan providers.

Alternatives to Merchant Cash Advance
There are some other alternatives that businesses can consider if they feel like an MCA might be strenuous. As the business owner, you should be in a better position to know whether or not your business will manage to repay the MCA on time. In case you opt to request for a merchant cash advance to carry out a project, ensure that it will generate income by the time you need to start repaying.
Another option small businesses can opt for is short-term loans. For a business to acquire a loan, the credit profile has to be strong. Failure to provide a strong credit profile may lead to the business being denied a loan. Starting a business is an affair that consumes a lot of cash. Most businesses manage to set up, but end up being short of cash to restock. If you suspect that your business might find itself in such a situation, it is your responsibility to ensure that the credit score is perfect.

A short-term loan is good for a small business because payments are requested either weekly or daily. Therefore, it is easier for the business owner to plan for the small payments instead of having to pay a tremendous amount of money at the end of each month. On the other hand, financial institutions that give out short-term loans report your credit history to business credit bureaus. Therefore, you may take that opportunity to always repay on time so as to strengthen the credit profile of your business.

Do you need a small business loan?

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