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.

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

Gym Merchant Cash Advance


Are you short on cash for your fitness center?
Merchant cash advances may be the solution. These aren’t loans. Instead, the cash advance is given based on your credit card sales deposited into your business merchant account. You can apply for an MCA and get the funding that you need within 24 hours. At Delancey Street, we deposit the funds into your checking account quickly.
Here are a few reasons why you should consider a Fitness center Merchant Cash Advance:
– It provides fast access to money
– You can get a large amount of money
– The approval process is easy
– Bad credit isn’t a problem
– It’s great for a number of industries
There may be a few reasons to stay away from a Merchant Cash Advance:
– The fees are higher than traditional business loans
– You reduce your daily cash flow as you make repayments
– You can’t switch providers until the money is repaid

What is a Merchant Cash Advance?

A merchant cash advance can be a great way to raise capital quickly for your business. You can raise the funds you need to do absolutely anything. Whether you are looking to cover payroll, invest in new equipment, or even take advantage of a new marketing opportunity, you can have the funds that you need. Regardless of why you may need the funds, there are pros and cons to be aware of.
You need to understand what a merchant cash advance is, whether it’s right for you, and some of the alternatives that are available.

The Benefits of an MCA for Fitness Centers

Fitness center merchant cash advances have become popular with small businesses because of the many benefits. As you consider a merchant cash advance, it’s important to explore what some of these benefits include.
Fast funding: The application process only takes a few minutes to complete. A merchant cash advance provider may request bank account statements, credit card processing statements, and business tax returns. The approval process will only take a few hours and the funding can be deposited minutes after approval.
Credit scores aren’t factored: Providers don’t look at your credit score when determining whether they are going to issue a merchant cash advance. Instead, it is all based on your credit card sales.
No collateral required: many banks will request collateral when issuing a business loan. A merchant cash advance provider doesn’t require you to place any personal or business assets up as collateral in order to get an advance.
Variable payments: The payment you make each month will be flexible because it is based on a set percentage of your credit card sales. This is different from small business loans because they have a fixed rate and, therefore, a fixed payment amount.
Large funding levels: Depending on the monthly totals for your credit card sales as well as the merchant cash advance provider, you may be able to get as much as $2 million as an advance.

How a Merchant Cash Advance Works

The first thing that you need to understand is that a merchant cash advance is not a loan. Instead, it is an advance given to you against future income. The merchant cash provider will issue you the money that you need in one payment. It is automatically repaid using a percent of the daily proceeds in your merchant account. The percent paid is identified as a holdback or retrieval rate. Depending on the provider and the size of your advance, this rate can be between five and 20%.
Depending on the advance amount, the terms can also vary between 90 days and 24 months, determining how long it will take to repay the amount given to you.
The amount that you borrow is based entirely on average credit card sales. Merchant cash advance providers will often request receipts from the past several months to determine what you may qualify for. Cash advances can often be between 50 and 250% of your monthly credit card transactions.

A Few Things to Consider

As you decide whether a merchant cash advance is right for your business, there are quite a few things to consider. Not all businesses will benefit from an MCA. It is ideal for restaurants and retailers because of the established credit card transaction history. However, there is a cost involved with an MCA that could override the convenience that it provides.
Traditional loans offer an APR. A merchant cash advance pays a factor rate. In many instances, this will be between 1.1 and 1.5. It’s easy to confuse this as being more affordable than an APR. The factor rate is multiplied by the advance rate, which means that the cash advance could end up costing a significant amount of money over the course of a 12-month term. Consider the holdback rate that you agree upon as well. This is the percentage of the daily credit card sales applied to the MCA. This can vary between 10 and 20% and is fixed until the advance is paid back in its entirety.
There are alternatives to merchant cash advances. These will depend on the time that you have two receive the funding as well as what kind of credit score you have.
A term loan will provide you with an APR and repayment terms can be anywhere between one and five years.
A business credit card may also be a convenient way to cover expenses. You may also be able to earn points or cash back.
Is a merchant cash advance right for you? Take the opportunity to weigh the pros and cons. You can then decide to apply online if you want to move forward with an MCA.

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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