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.


Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.


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

E-Commerce Businesses Merchant Cash Advance

E-Commerce Retailer Merchant Cash Advance Company

If your business has a merchant account, it may be possible to apply for a merchant cash advance. An advance is different from a loan because it is a credit against future credit card transactions. Therefore, there are less stringent requirements as it relates to getting the funding that your company needs.
What Are the Credit Requirements for a Merchant Cash Advance?
There are no credit requirements to get a merchant cash advance. This means that you can get the money that you need even if you have a low credit score or if your business has a thin credit history. In many cases, new companies can’t get a business loan because they haven’t been in existence long enough.
What If My Business Sells Controversial Products?
It is possible that your company can’t get traditional funding because of the industry that it’s in. Fortunately, merchant cash advance providers generally don’t worry about what goods or services that you provide to customers. As long as what you are selling or providing to customers is legal, you can generally get a merchant cash advance. This can be ideal for a gun makers, casino owners or others who may be shunned by traditional lenders because of what they provide to customers.
Are There Limits to How Much I Can Borrow?
Yes, there are limits to how much money you can get from a cash advance. Generally speaking you will get anywhere from 50 to 250 percent of your average credit card receipts over the last two to six months. Furthermore, the most you can get from an advance is around $250,000. However, this can still be enough to hire new employees, buy a building or take other steps to grow your business.
When Do I Start Repaying the Loan?
You will start repaying your merchant cash advance the same day that you get the funds deposited into your business bank account. Each day, the advance provider will hold back anywhere from 5 to 25 percent of credit card revenues generated that day.  Furthermore, you’ll be charged a factor rate that ranges from 1.1 to 1.5, and this translates to an interest rate of anywhere from 10 to 50 percent. Loan terms can be as short as three months or as long as two years.
Do I Need to Put Up Collateral?
Since your company obtains the advance based on anticipated future credit card receipts, there is no need to put up additional collateral to secure the funding. Therefore, you don’t have to worry about losing personal or business assets in the event that it isn’t repaid in full or in a timely manner.
Are There Reasons to Avoid a Merchant Cash Advance?
While there are many good reasons to take a merchant cash advance, there are some negatives to them as well. For instance, they often come with higher annual percentage rates than credit cards. This means that the money may be more expensive to borrow compared to other loan types. If your business doesn’t generate a lot of credit card revenue, the amount of money that you can gain access to from a merchant cash advance may be limited. Prior to accepting an advance or loan, it is a good idea to determine the company’s ability to repay it.
When your business needs money in a hurry, take a look at a merchant cash advance.  The loan process is easy and only takes a few minutes to complete. In most cases, the funds will arrive in your business bank account within 24 to 48 hours of your application being approved.

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

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