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

Hawaii Merchant Cash Advance

In Hawaii and every other state in the United States, there are many options for small business owners who need extra capital fast. One of the best is a merchant cash advance. A merchant cash advance is not a loan but financing for small businesses to allow them to plump up their cash flow or expand. Essentially, it is a shortcut to gaining funds for a business on a temporary basis. There are a number of facts about merchant cash advances that are important to know if you are considering this route for your small business in Hawaii.
How Does a Merchant Cash Advance Work?
A merchant cash advance differs considerably from a traditional business loan from a bank. If you own a small business, you can qualify for it even if you don’t have good credit. Overall, in exchange for a merchant cash advance from a financing company, you pay back the funds through your credit and debit card sales. If your business relies primarily on card sales, you can easily be qualified for a merchant cash advance. Payments toward it are made automatically and on a daily basis through a percentage of your business’ credit and debit card sales. This repayment amount is generally determined by what is known as a factor rate.
Funding through a merchant cash advance is typically easier and faster than through other means. In most cases, you can be approved the day after you apply and receive the funds immediately. The approval rate is typically very high and most applicants receive funding from their merchant cash advance within one to two days. Additionally, merchant cash advances don’t require collateral, unlike with traditional small business loans.
Things to Consider with Merchant Cash Advances
It’s important to know all the details of a merchant cash advance if you are considering this route to gain funding for your small business. Although there are many advantages, there are also downsides. Knowing these can determine whether this is truly the best option for your small business. Generally speaking, merchant cash advances can be more costly than a traditional business loan. They usually cost 20 to 50 percent more than the amount being borrowed. They are also not federally regulated, which means you could potentially fall prey to dishonest practices.
How to Qualify for a Merchant Cash Advance
The majority of merchant cash advance providers offer easy applications that can be quickly completely online. Turnaround is equally fast and you can expect to be approved within as little as a single day. Additionally, a small business does not have to be in operation for many years to qualify for a merchant cash advance. Even a new business can be approved, as long as it primarily conducts its sales through credit and debit card transactions. If there is a consistently high sales volume, your small business can easily qualify. Financing companies that provide merchant cash advances can also advance funds anywhere from 75 to 250 percent of a business’ total sales as well. If you wish to apply for a merchant cash advance, you should include credit and debit card processing statements, bank account states, photo ID, business tax returns and credit check authorization along with your application.
Why Get a Merchant Cash Advance?
Sometimes, a merchant cash advance is a last resort type of financing. However, they carry certain benefits that make them attractive options when you require extra capital for your small business. Those benefits include the following:
You don’t need perfect credit: Merchant cash advances can be given even if you don’t have perfect credit. If your credit isn’t good to excellent, you would have a better chance of being approved for a merchant cash advance than a traditional small business loan from the bank.
Fast approval and funding: You can quickly approve for a merchant cash advance and receive the funds in as little as one day to a week. The only requirement is that your business’ credit and debit card sales are sufficient so that you can repay it.
No collateral needed: Merchant cash advances don’t require collateral on your part, so you don’t have to worry about losing your car or home if you default on payments.
When sales are down, payments are down: Since the repayment of a merchant cash advance is based on your business’ sales and are taken from a percentage of them, if the sales are lower, your payments may be lower as well.
If your small business in Hawaii needs fast funding, a merchant cash advance might be the best option. Doing your homework and determining if this is the case can give your business the financial boost it needs.

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!
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