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

4th Position

how to get a merchant cash advance

Growing your business is your number one priority. Your small business has so much potential, and your job as a business owner is to find that potential and maximize it to increase profits. When your business grows, you’re able to offer more employment opportunities, you can take care of your own family, and you provide a good or a service that benefits your community. A business owner never really quits working, and you know that it takes money to make more money as a business owner. If you find yourself in a position to grow your business by expanding, hiring new employees, or purchasing new equipment, you need the funds to do it.

When A Business Loan Fails

Unfortunately, not everyone who owns a small business is able to secure a small business loan from a lender. Financial institutions want to give you money to help your business grow, but only if you meet a lengthy list of strict lending requirements. These requirements include everything from a good business credit score to a good personal credit score to a certain amount of time in business. You have to be able to prove you can repay your loan. You must provide collateral, and many people are forced to provide collateral in the form of their own homes. This means you could lose your home if you fail to repay the loan because your business plan didn’t work.

Speaking of business plans, your business plan must be specific and details if you hope to secure a traditional small business loan. If a lender doesn’t think that your plan to grow your business and increase profits is good enough, they will deny your loan and leave you right where you started. It takes weeks, and sometimes months, to secure a traditional business loan, and not everyone has the time to wait. What happens now? You either don’t qualify for a small business loan or you simply cannot wait six weeks or longer to secure a loan, and you don’t know what to do.

Consider a Cash Advance

Have you heard of a cash advance? It’s a form of lending that allows a small business owner to borrow money to grow your business, but the application requirements are a lot more lenient than they are for a traditional business loan. A merchant cash advance is typically funded in just a few days rather than weeks or months. You can have your money in hand within days of submitting your application.

This is money you borrow from a lender who wants you to make repayments in a non-traditional manner. For example, you don’t make a monthly payment every month to repay a merchant cash advance. You make a daily repayment, and that payment amount is based on the amount of credit and debit card sales you make that day. Merchant cash advance lenders take a portion of your everyday sales via credit and debit cards for repayment, and the amount fluctuates daily based on your sales that day. If you don’t make many sales, your payment drops. If you have a great sales day, your payment is higher that day.

A merchant cash advance also takes less time to repay. A traditional loan is repaid monthly over a set number of years as agreed upon in the application process. A merchant cash advance is repaid for approximately one year. Some people can repay the loan faster based on high sales, and some people need a little bit more time to repay their loans. What you should know about your cash advance is that you might pay a lot more to repay this loan even though the repayment period is significantly shorter. Interest rates can reach well into the triple digits depending on your application.

Is A Cash Advance the Right Choice?

Most people ask this question thinking that funding in a few days is too good to be true, and that’s because it is for some people. If you have a high credit score and you’ve been in business for a while, you should try to take out a small business loan first. If that doesn’t work, a merchant cash advance is the best option for you. It’s not the first option for many business owners because it is an expensive method of lending. You should only apply for a merchant cash advance if you have no other options.

Before you borrow anything from a cash advance lender, be sure you read all the fine print associated with your loan. You must know what you’re getting into before you sign the agreement. If you sign something you don’t know how to handle, you could end up in more debt and find yourself unable to pay it off. This is a form of lending that can benefit you and your business if you’re borrowing for the right reasons.

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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Delancey Street understands funding like no one else!
Steven Norris
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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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