Nextwave Funding

Small business owners can use loans to grow their business. You can use the funds however you wish.


Cover Expenses

Pay for any unexpected expenses that arise using our business loans.


Invest in your business

Use the business loan to grow your business however you wish.



Keep the cash on hand for future expenses.



Use the business loan to pay your employees.



Buy new equipment to grow your business.



Use the business loan to hire new employees.

We Fund Fast


Loans up to

$ 10 Million

Google Rating

5 Stars


Hear from people we've helped

Delancey Street makes lending easy. They took a chance on me when no one else would.

Leo kovacz

Founding Partner (Zooomr Car Leasing)
Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would and helped my...

Steven Goldman

Founding Partner (Goldman & Associates
Chicago Lawyer)

Delancey Street Can Help
with Small Business Loans

We're committed to building relationships and helping people all over the USA get access to the RIGHT loan for them. Regardless of your credit, or the riskiness of your industry.


We're frequently interviewed by major media organizations.

Easy Application

All it takes is one application, and we handle the rest for you.


Service is key. You can ask for advice on ANYTHING and we'll bend over to help.


Many of our team members are former business owners, and understand your challenges.


We customize each loan for you, and to your unique specs. Everything is customized.


We help virtually any industry, any business, anywhere in the USA. It doesn't matter.


We fund business loans nationwide. It doesn't matter where you are, we can help you.


This is crucial, and critical. We are 100% honest with our clients, and never strive for less.

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

We’re here to answer your
questions. Contact us anytime:

Minimum Qualifications Requirements

Delancey Street’s team consists of former business owners, and entrepreneurs. We understand your business has unique needs, and not every project is going to be easy and be ideal. These are general guidelines which should be interpreted as a suggestion, rather than mandatory.

At the end of the day, we look at you – just as much as the quality of the deal and the qualifications.

  • Risk Free. No Application Fees.
  • Decisions Within 48 Hours.

Business Loan Guidelines

Speed We close within 24-48 hours
Paperwork Not much
Qualification 3 months in business minimum. Credit isn't a huge issue.
Maximum Loan Amount $5 Million
Loan Terms 6-24 Months

It’s Simple

  • 1 Tell us your financial request
  • 2 We consult & provide terms
  • 3 We finalize the transaction

Get funding today

  • Apply today and we'll tell you what you qualify for
  • No obligation and no effect on your credit score
Get pre-qualified today

Nextwave Funding

Getting a great idea for a new business and starting your new venture can be incredibly exciting. This is especially true if it’s a dream business that’s finally getting it’s chance at a launch.

Once a entrepreneurial venture gets off the ground, the harsh reality of keeping the business going and growing can hit like a ton of bricks.

Why Businesses Fail
According to Forbes, roughly half of business started will fail within the first five years. A third will survive the 10 year mark.

The question is, what brings down these businesses? The first place most people would go to in their thinking would be that these businesses didn’t have a good product or service. At the very least, most people think these ventures failed to acquire customers or to generate sales.

In many cases, that is a reason for business failure. But most businesses that make it past the year mark usually have customers and sales. Otherwise, they wouldn’t have lasted past just a few months.

Most of these ventures don’t fail due to lack of sales or customers. In fact, many of these businesses are actually profitable. That means they are making a profit each month. To break it down even more, their sales revenue is exceeding their expenses. And yet, they still fail. Why?

Most businesses fail because of a lack of working capital. What that means for a small business, in essence, is that they ran out of cash and couldn’t get more cash. You may have heard the saying, “cash is king”. There’s a reason that saying exists.

So how does this happen? How does a small business that’s making a profit run out of cash to run their business? It’s simple. It all has to do with cash flow.

Let’s say a business generates $10,000 in sales that month. They have $8,000 in expenses that month. They end the month with $2,000 profit. Looking good so far right?

Well, that is until you realize half of the revenue came from customers who are going to pay in 30 days. In financial language, we’d have $5,000 in 30-day accounts receivables (AR). The other $5,000 is cash now.

So you see the problem? They made $10,000 in revenue, but they have $8,000 in expenses that they have to pay now. They only have $5,000 in cash on hand to pay those expenses. They are $3,000 short this month and have to wait 30 days to get that other $5,000.

Merchant Cash Advance
Above is just one overly simplified example of the cash flow problems that businesses face. This is why many businesses use credit cards, lines of credit or bank loans to keep their cash flowing, pay their current expenses, keep the business going while they collect on future cash.

There are many businesses, however, that have run out of runway and the bank won’t give them anymore loans. They don’t qualify for a variety of reasons and now their in a cash crunch.

Some business may be fine in their current cash flow situation, but they have see a great opportunity to expand and grow their business, but don’t have the cash to invest in that opportunity. This is where merchant cash advances come in.

Merchant cash advances are not loans. They are simply buying a portion of future sales.

Companies that offer merchant cash advances like Delancey Street are not giving loans. They are giving you an upfront lump sum payment to receive a portion of your future sales transaction.

Let’s say Acme Coffee Shop’s espresso machine is completely broker and they need $10,000 to invest in a new espresso machine custom-built from Italy. A merchant cash advance company may come in and give them the $10,000 to buy that machine and keep the business going. In return, they will ask for $14,000 in future sales.

But they will take say 10-15% of future sales via the coffee shop’s credit card and debit card transactions until they reach the $14,000 amount. There will usually be a small percentage transaction fee in there as well.

Now, the coffee shop can keep their business going by being able to buy that new machine. In exchange, the merchant cash advance makes money in the future. If there were no other sources of funding for the coffee shop, it would have to go out of business.

One of the upsides to this is that it’s an automatic payment from the credit card machine. That means you pay off the advance as sales comes in, and because it’s automatic, there’s no temptation to use that cash for other needs.

That is essentially how merchant cash advance works and why businesses need financing mechanisms like this to stay in business. It’s an innovative and relatively simple way to manage a business’ cash flow.

Do you need a small business loan?

Apply now