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

Merchant Cash Advance With Weekly Repayment

Merchant Cash Advance With Weekly Repayment

Unlike a loan, a merchant cash advance is a cash advance based on credit card sales held in your qualifying business merchant account. Business owners can apply and get approved within 24 hours. If approved, funds are deposited directly into the business checking account.
A merchant cash advance is a means for businesses to raise capital. It allows business owners from a wide range of businesses to raise funds fast through a simple approval process, regardless of bad credit. For business owners that need cash fast, such as for current bills due, it is a great option. It should be noted that there are potential downsides such as high fees compared to other traditional business loans which should be weighed against the benefits.
What is a Merchant Cash Advance?
A merchant cash advance is a form of advanced money against a business owner’s anticipated future earnings. As business owner(s), you receive a lump sum. In turn, you pay a percentage that is referred to as the holdback or retrieval rate and varies based on your business’s credit card sales along with the repayment period. The percentage can range from 5-20%. The length for repayment will depend on the size of the cash advance and the business credit card sales but falls within 90 days to 24 months typically.
To understand the approximate amount you may receive, typically the past two to sixth months are looked at. That average is used and merchant cash advances typically are about 50 to 250% of the monthly credit average for the business.
Benefits of a Merchant Cash Advance
There are a few benefits to obtaining a merchant cash advance if you are a business owner. These include:
• Simple application process that can typically be completed online;
• Fast funding;
• Accessible without high credit score limits;
• No collateral requirements;
• Flexible payments with fixed monthly payments that stay the same each month; and
• High borrowing limits.
Merchant cash advances are a good way for new businesses to obtain capital fast. They are especially good for businesses that have credit card sales but not a long period of time for credit history.
The Specifics of a Merchant Cash Advance
Factor Rates
Merchant cash advances do not have an APR, unlike typical business loans. Instead, they have a factor rate. This rate is the amount that you must repay as the business owner and is represented as a decimal figure, typically ranging from 1.1 to 1.5 to account for the fee of obtaining the cash advance.
This can result in expenses that business owners should understand before seeking out a merchant cash advance. For example, if a business takes out $50,000 and has a factor rate of 1.3 with a twelve-month repayment schedule, then the repayment is $65,000. This equates to a 30% APR. If you agree to a 15% holdback rate then you will be making a $175 daily payment and your overall APR would be 53.9%, after accounting for the daily interest rate of 0.15%. Given the increase from 30%, this is not something business owners should jump into without understanding the potential costs.
The holdback is a percentage of the advance, typically fixed, that is used to determine how much you pay back towards the merchant cash advance until it is paid off. This amount usually ranges from ten to twenty percent. It represents the percent of daily credit card sales that the business generates which go towards repaying the merchant cash advance.
What are the Alternatives?
For those that have the benefit of waiting, time will be instrumental for considering alternatives. For example, term loans, which are like a mortgage, and business credit cards are two viable options for business owners that have time on their side. This can potentially avoid the cost of a merchant cash advance for those that can afford to wait.
Decide What is Best for Your Business
To determine if a merchant cash advance is right for you now and the amount and repayment period you feel fits the business, it is a good idea to weigh the benefit of fast access to cash with the realistic generation of credit card sales that the business has. For those that understand the costs involved, it can be a good option to pay bills now and repay them with income sales.

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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