Delancey Street Helps Business Owners Grow

We provide funding fast, with a completely online application.

Apply NOW

Use our online form and apply online. It's risk free - and cost free. We charge no application fees ever, and it's a simple process.

We Approve YOU

Get approved in less than 24 hours. We look at your business, and underwrite your file within 2-4 hours.

Get Funded

Once we make an offer, we send you an agreement, and fund you in 24 hours.

How We Help

Small business loans are a great way to grow your business. We fund business owners when traditional banks say no. Getting a loan from a traditional bank is difficult, we look past your credit score and fund you.

Get a $500-$100,000 small business loan

Get working capital in as little as 24 hours once approved

No risk - There is no application fee, and we don't charge junk fees that other lenders do.

5 Star Google Rating trusted by 100's of people like yourself who took money from us.

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.

Overland Park Small Business Loans

Business owners who are looking for business capital may have to contend with the fact that they don’t have great credit. While this could make it harder to get a loan, it doesn’t make it impossible. However, it will be necessary to do some due diligence prior to asking a bank or other financial institution to provide funding.
Is a Loan Right for Your Company?
The first question to ask is whether a loan is right for your company. In some cases, you can get the funding that you need from other sources at a better price or with other favorable terms. In determining the answer to this question, decide what the money will be used for and how it will meet the short and long-term needs of the organization. If you still decide that a loan is worth pursuing, you can then look into the specific product that works best for your business.
Review Your Credit Situation
It is a good idea to review both your personal and corporate credit scores. Doing so can help you spot any errors that may be bringing it down. It can also provide some insight into why your score is lower than you want it to be. If there isn’t enough time to bring it up before requesting a loan, you can put your score into context for the lender. This may be enough to have your application approved despite your shortcomings.
Create a Tailored Pitch
A lender is going to want to know exactly what the money is going to be used for. For instance, you may choose to ask for cash to pay employees or to buy a new piece of equipment. During your pitch, you should demonstrate why the new employees or equipment will help the company make more money. By showing how the loan helps the company, the lender may feel better about its chances of getting paid back in a timely manner.
Get Documentation Together
The bank or other lending institution is going to want to see specific information about both yourself and the company. It will want to see a financial statement detailing your profit or loss over the prior year. This statement should also list your company’s current liabilities, assets and revenue. Ideally, this information will be reviewed and compiled by a professional accountant or accounting firm. By creating a professional look to your application, a lender will take your request more seriously.
Take Time to Consider the Loan Terms
Typically, lenders will give you several days or weeks to mull their loan offer. It is imperative that you take as much time as necessary to make sure that it meets your needs and the needs of the company. In some cases, you may want to have your legal and financial team look it over before agreeing to take the money.
If you do decide to borrow the money, you are obligated to abide by the lender’s terms until the proceeds have been repaid. However, if your company is struggling to repay it as agreed, the lender may offer flexible repayment terms to help keep you current. Make sure that you know whether the loan is secured or unsecured. This is because the company could lose its collateral if the business defaults on its obligation to repay a secured loan.
Obtaining capital for your business can be a complicated endeavor even for mature companies with good credit scores. If your a small business owner with less than stellar credit, you will need to work hard to gain a lender’s trust. Therefore, it is important that you understand the process of getting a loan and how to improve your odds of having it approved.

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"
Leo
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
Jason
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
Mary
$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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