We’re changing how hard money loans works

We help entrepreneurs get loans for their next project. Money and finances should never be the obstacle that stops you from succeeding. We regularly help entrepreneurs, real estate investors, and businesses of all sizes challenge the status quo. We take risks on the go-getters and do’ers – who have an opportunity and need a partner. At Delancey Street, we invest in people and their ideas – not abstract concepts like credit scores, or other financial metrics. Tell us about your idea, let’s discuss your opportunity – and how we can help you capitalize on it.

What Does Delancey Street Actually Do?

Money and finances should never be the obstacle that stops you from succeeding. We regularly help entrepreneurs, real estate investors, and businesses of all sizes challenge the status quo. We take risks on the go-getters, and do’ers – who have an opportunity and need a partner.

Hard Money Loans

Need help capitalizing on a potential real estate transaction? We can help. We look at you, and the quality of your deal only.

Merchant Cash Advance

We provide merchant cash advances within 24-48 hours. Tell us about your opportunity, and we’ll let you know if we can fund it.

Small Business Loans

We provide competitive rates on small business loans nationwide. Tell us your need, and we'll get you the funding you need.

Bitcoin Loans

Have bitcoin, but need capital? We lend against bitcoin, and other cryptocurrencies. Contact us to find out whether we can help you or not.

Creative Financing

Delancey Street believes in providing opportunity to entrepreneurs. We're open to any type of creative financing opportunity presented to us. Nothing is unorthodox.

Venture Capital

We invest capital, or can help you find access to private money / venture capital, for your next project / deal.

Hear from people we’ve helped

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

- Leo kovacz

Industries We Service

It’s Simple

  • 1 Tell us what you need
  • 2 We'll evaluate it
  • 3 We'll offer our terms

Get pre-qualified

  • We guarantee you funding
  • Risk free to you, no strings
Get pre-qualified today

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:

Hard Money Loans Made Simple

Delancey Street’s team consists of builders, developers, hard money lenders, and entrepreneurs. We understand your project 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.

Hard Money Loan Guidelines

Speed We close within 24-48 hours
Paperwork Not much
Qualification Project and LTV matter. We don’t care about your credit.
Maximum LTV 80-90%
Loan Terms 12-48 Months

Recently Funded Projects

Residential Refinance
Residential Refinance

Residential refinance in Los Angeles, with a loan amount of $830k, at 75% LTV. We were able to help the investor get a loan at 8.99% with a balloon payment after 18 months.

8.99 %
100% Funded!
Residential Investment
Residential Investment

Delancey Street funded a new residential purchase in California, for $1.2 million with 82% LTV. We helped the developer with a loan at 11% with a balloon payment in 9 months.

11 %
100% Funded!
Residential Investment
Residential Investment

Property in New York was torn down, and redeveloped. We provided a 60% LTV loan for $700k. We charged no upfront fees, and had a balloon payment after 10 months.

9.0 %
100% Funded!

Frequently Asked Questions

How do Delancey Street hard money loans work?

Delancey Street provides hard money loans nationwide. Sometimes you need funding for a new deal ASAP. When that happens, Delancey Street is here to help you. We provide hard money loans for a wide array of properties, ranging from commercial properties to residential properties. We handle all LTV’s, up to 90%, and in some cases are ok with even 100% LTV financing. The main thing our team cares about, when evaluating hard money deals, is whether or not we think the project will succeed. At the end of the day, a hard money loan is collateralized by real estate. We base our evaluation based on the present value of the real estate, and what we think you’ll be able to do with the real estate property. Our goal (and yours), is to transform that property so that everyone makes money. We can work with you on a variety of loans, like:

  • Bridge loans, to help to bridge a funding gap you’re facing in a new property purchase, or a fix and flip which is going over-budget.
  • Fix and flip loan, which allows you to buy a property and rehab it, and then flip it at a profit. 
  • Property refinance, to help you pull cash out of equity you’ve got in a property. 
  • Construction loan, to help developers get started on a new construction project with the intent of refinancing it later, or selling it at a profit. 
How do merchant cash advances work?

Merchant cash advances are one of many business financing options that Delancey Street provides. We have a number of financial tools at our disposal to help business owners get funding for whatever comes their way. We provide merchant cash advances to businesses all over USA. Merchant cash advances aren’t a loan – they are an advance payment against your future income. We provide you with a lump sum, which is then repaid using a % of your daily credit card receipts/bank deposits. This is great for businesses who have some short term financing needs, don’t necessarily have a strong credit history, and above all – have a recurring and steady stream of revenue. The % we take from your daily sales is known as the holdback/retrieval rate. It can range anywhere from 5% to 20% based on how much money you borrowed, your credit card sales, and the repayment period. Depending on how much money you were advanced, terms can be as short as 90 days or as long as 18 months. Repayment of the merchant cash advance begins immediately after you get the funds. The amount you can borrow when you work with Delancey Street on a merchant cash advance depends on your average credit card sales. 

How can we help with small business loans?

Delancey Street looks at your situation, and then makes a recommendation on what we think is best to help you. Sometimes, that might be a term loan, and in other instances, it might be a line of credit. Typically, every business has a situation which forces it to choose one over the other. In some cases, if you have a short term need, then a line of credit might be faster and more suitable. It all depends on your situation, and it’s our job to make the recommendation that matters. For example, a small business loan is great for companies that have been in business for over 6 months, and have some recurring cash flow and track record. In addition, depending on whether it’s an unsecured or secured small business loan, collateral may be requested by the lender. It depends on your unique situation.

Typically, loan terms are good for amounts up to $1-2 million. They have low annual interest rates, and can have terms of 2-36 months. Typically, there may be a loan origination fee, but it’ll be low. These loans are great for people who need a form of long term financing, which will be used to pay for new inventory, new locations, quite frankly – anything new – which will generate an ROI over the long term.

Lines of credits can also be offered, up to $100,000 or more, depending on your credit history. The great thing about lines of credits is the fact you only pay interest on what you draw. You can take advantage of new business opportunities with a line of credit. Because the line of credit is “on top,” you can pounce on opportunities as they appear, and be ready for unexpected costs. Simply put, depending on your situation and your needs, one or both may be good for you. 

When to consider getting a hard money loan

Hard money loans are used as investment tools by investors. They are useful in a few situations, such as:

  • Unable to get financing elsewhere. Funding real estate investments is tricky. Traditional mortgages are difficult to get under normal situations. Banks are very cautious of making loans for investments, as opposed to loans for residences. As a result, if you’re looking for investment funds – then get a hard money loan.
  • You have a poor credit history. Hard money loans are based off the collateral of the investment, not your ability to repay. Loans made to consumers – as opposed to lenders – are based off your ability to repay the loan. This means if you have a poor credit history, or no stable income – then you might not get approved for a loan.
  • You need money. Hard money loans are great so you can get money ASAP. Traditional loans take time. Hard money is very fast. If you need to capitalize on an opportunity immediately, then you can get a hard money loan. If you can wait several weeks, then it’s better to get a hard money loan.
Why Do Hard Money Lenders Exist?

Hard money lenders server a very specific group of people, i.e. real estate investors. Hard money lending is a form of short term lending, which is secured by real estate. Specifically, the people who use hard money loans are typically real estate investors – typically, those who are being denied a traditional loan due to stringent guidelines. 

Hard money lenders exist because they are fast, and offer loans with little to no headaches. Hard money lenders have a streamlined application system. They expect collateral, and don’t look at your credit score. They focus on your experience, rather than your credit worthiness. If you have a checkered financial past, it’ll be easier to obtain financing by using a hard money loan rather than a conventional loan which is granted based on your credit report. Below are situations where hard money lenders fill a void that traditional lenders don’t touch:

Fix and Flip Loans

Most traditional lenders will not give you a loan for a fix and flip project. If the house is in poor condition, or there’s some other abnormality with the house, then a traditional lender will not give you funding. In addition, most fix and flip potential deals “go fast.” The seller is very motivated to sell the property, and will accept the first offer. Traditional lenders take forever, so by the time the loan is approved – you’ve already lost the property since someone paid cash for it. If you have a hard money lender on your side who can close a loan in 5-10 days, you can get the fix and flip property.

People With Bad Credit

Most traditional lenders look at a borrower’s credit report. They verify your income, and investigate past delinquencies. It means that someone with a checked credit history will have a difficult time, and in some cases never get approved. When this happens, your only option is to work with a hard money lender. While the interest rates for a hard money loan are higher than traditional loans – if the deal makes sense, it might make sense to take the money. 

Bridge Funding

Sometimes, your project goes over-budget and as a result you need additional funding. Some traditional lenders will refuse, because the project isn’t completed. While this can be devastating, a hard money lender might be willing to lend you the funds. Hard money lenders are happy to give money to bridge the gap in funding, and can work with you to fill that void. 

Our Philosophy

We provide opportunity – first, and foremost. It just happens to be that we do it, via loans, private equity infusion, etc. We believe money should never stop you from achieving what you want. We help entrepreneurs, real estate investors, and businesses, challenge the status quo by providing them with the funding they need. At Delancey Street, we take risks on the go-getters, and doer’s – who have an opportunity and need a partner.

Learn More

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