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

how merchant cash advance can benefit a real estate business

A merchant cash advance does not work like a traditional small business loan. In fact, it’s not classified in the financial industry as a loan. A merchant cash advance is a cash advance, which means you must repay the money you borrow in quick installments. This is a fast financing option, but it’s not for everyone. This type of lending is for those who simply do not have the time to qualify for a traditional small business loan, for those who are not able to secure a small business loan, and for those who have bad credit and cannot secure funding in another manner. Here’s everything you need to know about a merchant cash advance before you apply for one.

What is a Merchant Cash Advance?

A merchant cash advance is a form of borrowing that’s unlike a loan. The major differences lie in the amount of time it takes to have cash in hand, what you need to qualify, and the repayment options. To qualify for a cash advance, you don’t need to have nearly the amount of paperwork you need to qualify for a traditional business loan.

– Bank statement
– Credit card processing statements
– Credit score
– Business taxes
– Driver’s license

A merchant cash advance lender will give you the money you need with this information, which is easy to secure without spending too much time going through your files and records. A traditional loan requires you have a great credit score both professionally and personally. It takes time to create a good business credit score, and many people who have a younger business are unable to qualify for a loan simply because they have not been in business long enough.

The other major difference between a cash advance and a loan is the repayment situation. If you secure a traditional loan, you pay a monthly payment for a number of years. This amount and the years in which you make your repayments are set before you get your cash. Your payment never changes, but you do have the option to pay off your loan early for a lot less. If you’re able to make higher monthly payments, you can pay off your loan faster and cheaper.

A cash advance does not work this way. You never know what your payment will be, and you don’t know how long it will take you to make your repayments. Your payment is made daily to your lender based on your daily credit and debit card sales. The agreed upon interest rate is applied to your everyday sales, and that’s how your payment is made. Your payment is rarely ever the same. If you have lower sales one day, you’ll make a lower payment that day. The good news, however, is that a slow week doesn’t mean you cannot afford to make your payments.

The length of time it takes to repay this cash advance varies, too. It could take you three months if you make significant credit card sales each day. It could take you as long as a year to make your repayments in full, and most lenders don’t reward you for making an early repayment. They still require you pay the interest, and the interest rate can reach into the triple digits.

When Should I Consider a Cash Advance?

If you don’t qualify for a small business loan, it’s time to consider a merchant cash advance. If you have a new business, you may not qualify for a loan. If your personal or business credit score is low, you will not qualify for a loan. If a bank doesn’t feel that your business plan is good enough, they may deny you a loan months after you began the application process. This is when you should consider a cash advance.

A cash advance lender is not overly concerned about your credit score, and they’ll consider you for a cash advance even if you have poor credit or no business credit at all. However, you must be aware that the rate you pay will be very high. It can reach as high as the triple digits, which can make the repayment options so expensive your business will not grow. If you cannot secure cash in another manner, this might not be a good idea if you cannot get a rate that’s affordable. It’s a quick way to end up further in debt and in a borrowing cycle you cannot break.

A merchant cash advance can save you when you need funds fast, but it can also be detrimental to your financial situation if you’re not aware of what you’re getting yourself into. This form of borrowing is expensive, but it can be helpful if you know how to approach borrowing.

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
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$35,000 Lawsuit Advance
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