Here's Who We Are

We're Fund Virtually Everything

We fund business owners nationwide, regardless of industry, credit, or time in business. We fund it all.

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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 Business Loans Funded

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.

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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.

One quick and easy way that business owners can access cash is by means of a merchant cash advance. In some ways, it is similar to a loan. However, it is not repaid in the same way that a traditional loan is repaid. It is paid back as customers make payments using a credit or debit card. A set percentage along with a fee is taken out each time a card is swiped when purchasing products or services from the business.

The Benefits and Disadvantages of MCA’s

Merchant cash advances can be an easy way for a business owner who doesn’t have good credit to get quick cash to be used for the business. Bad credit is often accepted. The approval process is usually easy and is suitable for a variety of businesses. This option makes sense for individuals who do not want to put their financial assets, including their home, at risk.

Because the loan is paid back when customers make payments with debit and credit cards, one downside of a merchant cash advance is that the business will not have the same cash flow to work with. The fees are often higher with an MCA than with a traditional loan. And one other downside is that there is not as much flexibility to change merchant service providers.

Do You Qualify for a Merchant Cash Advance?

As you look at the benefits and disadvantages of this type of loan, you may wonder who qualifies for it. It is often a good option for individuals who are facing financial problems and do not have collateral, have a low credit score, and may have not been in business for a long period of time. The eligibility standards are usually quite easy to meet. In most cases, small business owners do not have a problem qualifying for this type of cash advance.

A business owner who has customers who make most of their payments with a credit or debit card is usually in a good position to qualify for this cash advance. Individuals who own retail stores and restaurants usually have customers that pay in this way.

The money that is borrowed can be used to pay back debts, purchase inventory, and cover unforeseen expenses. Most customers who are approved have a credit score of about 550, they have been in business for two years, and they have an annual revenue of $180,000.

The process of applying for a merchant cash advance is simple. Some of the things that you will need to have on hand include your driver’s license, credit card statements, bank statements, the tax returns for your business, and a voided business check. Your credit score will likely be checked.

Companies that provide MCA’s are going to look at your credit card statements with the goal of making sure that amount of money your customers pay using their credit card will be enough volume in order to pay back the merchant cash advance.

Most repayment time frames are anywhere from four to 18 months. This will depend on the business and other factors. Shorter repayment terms provide the benefit of paying back the lender more quickly. However, this will make the cash flow tighter. It is good to look at the numbers and then determine a term that is best for the needs of your business.

Is It Worth It?

Almost all small businesses could use some extra capital. A merchant cash advance may be the right financial tool to help the business owner purchase needed inventory or to pay off debts.

Merchant cash advances make sense for many Mississippi business owners. The advance allows them to have access to quick cash and to pay that cash back slowly as their customers make purchases. It is usually easy to qualify for and does not require you to have the best credit score. On the other hand, these are usually the most expensive loans to repay. It is good to get familiar with how much will be taken out each time a purchase is made and to find out what other fees will be applied. You also have less money to work with in the months that the loan is repaid.

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.

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In The Media

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
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