Here's Who We Are

We're Direct

When you get a merchant cash advance from us, we're the direct lender. Regardless of your credit, or time in business - we'll come up with a solution for you.

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We Have Several Options

In addition to funding you directly, we can have a number of partners we work with in order to facilitate funding options. No credit is too low, no amount is too high, no terms are too long.

Fast Approval

Our cash advance application process is 100% online. We can provide funding in literally 24 hours.

We Provide Working Capital FAST.

We get you funding. It's that simple. Regardless of credit, income, or time in business - we'll fund you.


Fill out our completely online application. It's risk free, with no cost. It takes just a few minutes, and you can upload your bank statements completely online.


Once you apply, one of our business cash advance specialists will review it - and give you an approval as soon as possible. We'll ask you any further questions needed.

Get Funding

Once you review our terms, we'll send you an agreement and wait for you to sign it. Once signed, we fund you in literally 2-4 hours! It's really that simple.

Recent Cash Advance Clients!

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 FAST

When you need funds, time is of the essence. WE HAVE A SOLUTION FOR YOU.

Apply Online

Our application process is completely online.

Get Offers

We give you multiple funding solutions.

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

Merchant Cash Advance

Summary: Merchant cash advances are an advance on your future sales. Keep reading to learn more about what you need to know about how they work, what the costs are, and some of the alternatives to a merchant cash advance.

What’s a merchant cash advance?

Merchant cash advances aren’t loans. They are cash advances based upon the deposits in your bank accounts. Business owners can apply for an MCA and have the funds deposited into their bank accounts VERY fast. In some cases, it’s possible to get funds in 24 hours after applying.

MCA providers look at the riskiness of the business and look at the credit score of the owner differently than other traditional lenders. MCA providers look at your daily business revenue, and your daily cash balance. They then see based on this, if the borrower can afford to pay the back the MCA. As a result, because MCA lenders are looking at the business cash flow, and aren’t looking at the borrower personally – the rates on an MCA can be much higher than general financing. It’s important you understand the terms you’re being offered so you can make an informed decision about whether an MCA will make sense for you or not.

MCA lenders look at holdback 

When it comes to MCA, the term holdback is a very popular term. The holdback is the % of your daily deposits/revenue which is being used to pay back the MCA. The holdback % is usually between 10% and 20%. It’s a fixed amount the lender is taking from you in order to repay the MCA. Because repayment is based on a % of your daily deposits/balance, the more money you generate the faster you can repay the merchant cash advance.

MCA holdback vs interest rate

There’s a big difference between the interest rate a business owner is paying for an advance, and the holdback amount. Most MCA providers are charging a factor rate. Unlike traditional term loans, the rate isn’t amortized over the course of an MCA. Typical factor rates for an MCA range between 1.1 to 1.3 over a period of time.

Is a merchant cash advance right for you?

An MCA can make sense for your business if you need cash fast to take advantage of a short term opportunity. It’s important to make sure the costs of the cash advance make financial sense. If they don’t, the high costs of an MCA can overwhelm your business! The MCA has a premium cost. There are many alterantives to an mca such as a term loan, line of credit, and more.

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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Delancey Street understands funding like no one else!
Steven Norris
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Ready To Get Started?

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

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