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

Massachusetts Merchant Cash Advance


Massachusetts Merchant Cash Advances

A merchant cash advance differs from a business loan because a loan is based on past sales history whereas a merchant cash advance is based on projected credit card receipts. Business owners can apply online for a cash advance and normally have the funds deposited into their account within 24 to 48 hours. We use direct deposit in order to expedite the process so that you’ll get your funds as soon as possible.
Our cash advances range from $2500 to $250000, depending on your credit card sales, and they are repaid daily from your merchant account. We have a 1.14 to 2 percent factoring fee and we don’t check your business credit.

Pros And Cons Of A Merchant Cash Advance

There are several advantages to using a merchant cash advance rather than obtaining a business loan. Those advantages include:

  • Approval is easy
  • Bad credit is okay with us
  • Quick access to your funds
  • Good for those with no alternative
  • Suitable for many types of businesses

Some of the drawbacks to merchant cash advances include:

  • Diminished daily cash flow
  • Higher fees than a traditional loan
  • Can be very expensive money
  • Advance must be repaid in full before you can change merchant service providers

How A Merchant Cash Advance Works

A merchant cash advance is a quick way to raise funds when you have an immediate need for cash but not the time to apply for a traditional loan. If you have bad credit, it’s also a good way to access needed funds. Since it’s not a traditional loan, there’s no credit history involved, simply proof of your average credit card receipts. Your cash advance will be predicated on that alone and the payments will be deducted from your business account every day. Repayment can take as little as 90 days or up to 24 months and start immediately upon receipt of the funds. You can usually obtain from 50 to 250 percent of your monthly credit card receipts.

Merchant Cash Advance Benefits

There are several benefits to obtaining funds through a cash advance rather than a traditional loan.

  • Simple and easy application process: You can apply and upload supporting documentation online at your convenience, and it takes only minutes.
  • Bad credit is okay with us: We don’t care if you have good credit, bad credit, or no credit. All we need is proof of your credit card sales. Using a merchant cash advance will not affect your credit.
  • You don’t need collateral: Traditional loans require collateral and take longer to process.
  • Fast funding: One of the most attractive benefits of a cash advance is the quick access to your funds. You’ll have a decision within hours and your funds will be available quickly.
  • Repayment is flexible: Your repayment terms will be a percentage of your credit card sales rather than a set amount that might cause additional cash flow problems.
  • Higher limits than a loan: Your cash advance can be as little or as much as you need based upon your credit card sales. Cash advance providers have significantly more latitude than lenders.

Good Candidates For A Merchant Cash Advance

Restaurants and retailers or new businesses that haven’t built a solid credit history can be great candidates for merchant cash advances.

Who Should Be Careful

Although a merchant cash advance has great benefits, it can be very expensive money and should only be used when there’s no alternative.

What’s A Factor Rate?

Traditional loans use an annual percentage rate, or APR, for their loans. Cash advances use a factor rate, which is the percentage that must be repaid to the lender. Combined with the holdback rate, the total amount repaid can be significantly higher than the original factor rate would indicate.

What’s Meant By The Term Holdback?

The percentage of daily credit card receipts that will be used to make the daily payment is referred to as the holdback and can vary from 10 to 20 percent.

Alternatives To A Merchant Cash Advance

If you need funds but have some extra time, you could use a business credit card or obtain a term loan. Both are considerably less expensive than a cash advance but may take longer to obtain.

Is A Merchant Cash Advance Right For Me?

A merchant cash advance can be an excellent source of ready cash for those who have no alternative. However, it’s an expensive type of ready cash that should be used when no other options are available.

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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