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.

Apply Now

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

San Diego Merchant Cash Advance

Using San Diego Merchant Cash Advances To Stabilize Cash Flow
When your business needs to access cash quickly, a merchant cash advance is worth considering. Unlike other available business funding options, merchant cash advances are a fast way to access the funds you need, regardless of how the capital gets used. Depending on your situation, merchant cash advances can get used to finance new inventory or pay outstanding accounts payables.
San Diego Merchant cash services offer small and medium-sized business owners a way to maintain and operate their companies during slower business periods or used as a method to leverage up business operations. If you are considering taking out a merchant cash advance, it’s critical to understand how this financial product works.

Is A San Diego Merchant Cash Advance A Loan?

The short answer to this question is ‘no.’ Merchant cash advances are not a loan product. Instead, this financial service ‘advances’ a lump sum against the companies future accounts receivables.

San Diego Merchant Cash Advance Benefits

Merchant cash advances offer benefits that make them an attractive option for business owners who need access to funding. Here are some of the reasons this financial service is worth considering:
Easy To Apply – Applying for a merchant cash advance is simple and can get done online. Instead of spending precious time talking to loan officers at your bank branch, all you need to do is upload all required documents for consideration.
Fast Funding – For companies that are experiencing a cash flow crunch, time is of the essence! Merchant cash advances offer company owners quick decisions and fast funding on approved advances. For time-sensitive transactions, access to these funds can be the difference between making payroll, paying for emergency repairs, or buying needed inventory.
Credit Is Not A Factor – Unlike traditional lenders, merchant cash advances providers don’t solely use credit scores to determine whether the borrower qualifies. Consistent credit card sales and the length of time the business has operated are more critical factors in securing the advance.
No Collateral Needed – When applying for a traditional bank or business loan, collateral is often needed to back the loan. In the case of missed payments or default, the lender can collect the missed payments by repossessing the collateral that backs the loan. Merchant cash advance providers ask for little, if any, business or personal assets to qualify for a merchant cash advance.
Flexible Payment Plans – For company owners what experience seasonal trends or have uneven sales, fixed payments can become difficult if enough cash flow isn’t readily available to repay the loan.
Access To Higher Limits – Since personal or business credit isn’t a major consideration when issuing a merchant cash advance, company owners can get an advance for amounts anywhere between a thousand dollars to as much as over one million. No collateral needed!

Who Should Use a San Diego Merchant Cash Advance

Merchant cash advances are an excellent option for companies that have urgent cash requirements. Ideally, the company should have a well-established history of credit card payments from customers. Bricks and Mortar businesses such as retailers, restaurants, general contractors, and others who remit frequent and regular credit card transactions are ideal candidates.
While Merchant cash advances are convenient, it should come as no surprise that these financial services come at a cost. Unlike conventional business loans that charge an APR (Annual Percentage Rate), merchant cash advances use a Factor Rate. This factor rate is a decimal point number that indicates the amount that must get repaid to the cash advance originator. The fee varies but usually falls between 1.1 to 1.5.
It’s critical to understand that while this number appears low, that isn’t always the case when you evaluate it across the entirety of the advance.
For example, let’s say a business owner gets a merchant cash advance for $50,000 with a 12-month term and a 1.3-factor rate. To get the total cost of the advance, multiply the factor rate with the advance amount. The total amount to repay the cash advance is $65,000. Initially, the cash advance has an interest rate of 30%. However, the APR could increase based on the holdback amount.

Other Alternatives To San Diego Merchant Cash Advances

Company owners who are reluctant to pay the high price of a Merchant cash advance still have other options available for financing. Here are a couple of alternatives worth considering:
Term Loans – Term loans are similar to a mortgage loan. Borrowers take out a set amount and repay the loan over time. Interest rates on term loans can be variable or fixed.
Credit Cards – Business or personal credit cards that offer perks such as cash back, airline miles, or other incentives are a way to pay for operating costs and expenses.

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.
Search Engine Optimization For Local Business Owners

Search Engine Optimization For Local Business Owners Whether or not…

Search Engine Optimization For Local Business Owners

Search Engine Optimization For Local Business Owners Whether or not…

Things to consider when comparing lenders

Things to consider when comparing lenders After you’ve looked at…

Ondeck Capital Get an unbiased opinion of Ondeck Capital
How to lower daily mca merchant cash advance payments

This article is about how you can effectively lower your…

Delancey Street understands funding like no one else!
Steven Norris
Get Funding Today

Ready To Get Started?

If you have questions, feel free to shoot us an email, or fill out our live chat.

Apply Now