Need One Last Chance? Defaulted On Funding In The Past? We Can Help

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

Need One Last Chance? Defaulted On Funding In The Past? We Can Help

What Is A Merchant Cash Advance – Everything You Need To Know About Its Benefits

A merchant cash advance is a term used to refer to a number of business financing options which are characterized by small regular payments over short periods of times – as opposed to the traditional bank loans which are associated with large monthly payments over longer periods. Originally, the term was used to refer to a lump sum payment – which is a single payment – to a business in exchange for a percentage of future credit and/or debit card sales.

A merchant cash advance isn’t technically considered to be a loan. The advance is based on credit card salesdeposited in a merchant account. Business owners can apply for an MCA and get the funds necessary in their account in relatively quick fashion, in some cases as fast as 24 hours. As opposed to banks and their traditional loans, MCA providers are not evaluating risk and weight credit criteria the same way. What they look at is the daily credit card receipts in order to figure out whether a business will be able to pay back the money in a timely manner.

The providers will look over receipts from the last 3 to 6 months and calculate the amount of money that a business owner would be eligible for. As a result of this process, the rates on an MCA could be higher, which is a fact that business owners have to take into considerations before applying for it, as an MCA might not suit their business needs. An advance can be as big as 250% of the business’s credit card transactions, or as little as 50%.

The application process for an MCA is straightforward, and certain business loans can be applied for entirely online. The application is completed, and then a few documents will have to get uploaded along – such as bank account statements or tax returns. The process is very quick and will be over in a few minutes.

The amount of money is paid back automatically by using a percentage of the daily credit card receipts – the percentage being referred to as the holdback. The holdback – also known as retrieval rate – can be from 5% to up to 20%, depending on the amount of money given to the business, the repayment period, and credit card sales. The money will have to be paid back in up to 18 months, but the amount of time can be as short as 90 days, depending on the MCA.

There are several benefits when it comes to a merchant cash advance, which makes it an appealing financing option. Among the big benefits is the aforementioned quick approval. Providers are able to take a decision about whether or not to approve an MCA within hours after it was applied for, and the funds will be delivered in a few days. This plays a big role if money is needed right away – for example if they are necessary to cover a business expense that was unexpected.

Another benefit of an MCA is the fact that perfect credit is not required. When it comes to taking business loans, having a strong personal and business credit score is a must, but for an MCA, providers tend to be more lenient. Providers will pay more attention to how consistent the credit card sales are and how long a business has been active, as opposed to how much debt a business is carrying or past payment history. On the flipside, most providers do not report the MCAs to the credit bureaus, which means that taking an MCA will not build credit.

When it comes to payments, MCA is more flexible, the payments being based on a flat percentage of the credit card sales. If the terms require a business owner to commit to a percentage of credit card receipts, the amount of money will vary depending on the amount of sales during that month. What this means is that the amount of money owners will have to give back is proportionate to the amount of money their business brings in that month.

This is in contrast to regular small business loans where the payment and the interest rates are fixed, which means that business owners will pay the same amount of money every month. This is important to take into consideration as it can be a double-edged sword. While it is helpful to know the amount of money needed for payments every month, if owners struggle to make ends meet and depend entirely on how the business is going, they might find it hard some months to make the payment.

Taking an MCA makes sense for businesses that need money right away, but otherwise it’s important to take into consideration whether they make financial sense or not. Compared to traditional loans, being eligible for an MCA is easier, which is why an MCA comes with a premium cost.

Do you need a small business loan?

Apply now