Here's Who We Are

We're a Direct Lender

We’re a direct lender who funds small business owners nationwide, regardless of industry, credit, or time in business. We fund it all. GUARANTEED.

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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 Funded Business

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

Virginia Merchant Cash Advance

Virginia Merchant Cash Advances

Are you struggling to keep the lights on? Did a drop in sales make it harder to pay your employees? If funding your business is a challenge, you are not alone. While running a company is not easy, there are some options available for businesses that are short on cash. Through funding options like a merchant cash advance (MCA), you can get the money your business needs on the timeline you want.
A Quick Fix for a Funding Dilemma
A merchant cash advance is not a business loan. Instead, it is a pre-payment of money you will earn in the future. The MCA provider reviews two to six months of your company’s credit card transactions. They take the average sales each month and give you 50 to 250 percent of that amount.
Then, the funds are deposited in your account in as little as 24 to 48 hours. As soon as you get the money, you automatically start repaying it with your new sales. A holdback rate of 5 to 20 percent is taken out of your credit card transactions each time someone buys your products.
The total amount you spend on the MCA is determined by your factor rate. This rate is generally between 1.14 to 2. If you get an MCA worth $100,000 that has a factor rate of 1.14, you end up paying $114,000 back. For entrepreneurs stuck in a cash crunch, this style of funding is a viable option.
The Advantages of an MCA
From no collateral to fast applications, there are many reasons why people turn to an MCA. With this type of program, you get money right away instead of having to wait for a bank’s slow approval process to finish. You do not have to use collateral. Entrepreneurs can get an MCA with bad credit because an MCA is determined according to your sales.
– Funds are available in 24 to 48 hours
– Fast approval process
– Online, streamlined application
– Bad credit is not a problem
– Flexible repayment methods
– Large advances
When Should I Be Cautious?
Before you apply, make sure you know the benefits and drawbacks of an MCA. You can get the funds you need, but there is a price to pay. Every kind of funding charges an interest rate, factor rate or some other type of fee. An MCA is just the same. You pay a factor rate, so make sure you know how much the advance will cost before you apply.
This variety of funding is generally not the best if your business does not have credit card sales. It works well for ecommerce sites, dining venues and retail stores because these kinds of companies have constant credit card transactions. If your business rarely processes credit card transactions, an MCA might not be the right choice.
What Are the Drawbacks?
Every funding source has some advantages and disadvantages. While an MCA gives you cash quickly, it can be expensive. If you have a high factor rate, you can end up spending a lot to get fast cash. In addition, you may end up paying on the advance longer than you expected. If your sales are too low, the amount you pay each month is less than expected. As a result, it may take you a bit longer to pay back the MCA.
The Bottom Line
Every type of credit card, loan or advance carries risk. If you research a merchant credit advance beforehand, you can reduce your risk and find out potential drawbacks early. Once you apply for an MCA, you can instantly get the money you need to keep your business going.

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

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