Phoenix Merchant Cash Advance

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

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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

Phoenix Merchant Cash Advance

Phoenix Merchant Cash Advances

At first glance, a merchant cash advance (MCA) may appear to be a loan. However, it is actually a cash advance that is given in anticipation of the amount of funds that are deposited into your business account. These funds originate from your credit card sales. Delancey Street has made the application process for an MCA easy. In fact, the process is so fast that funding is generally provided within 24 hours by being direct deposited into your business checking account.
The Intricacies of a Merchant Cash Advance
Your ability to secure an MCA is dependent upon your future income from your credit card sales. Generally, your previous income from the last two to six months is taken into account in determining your eligibility for an MCA. Typically, an MCA ranges from 50 percent to 250 percent of the monthly credit card proceeds from your business.
Your future income is important because a percentage of your daily merchant account proceeds is used to automatically repay your MCA. The percentage to be repaid is known as the holdback rate, or the retrieval rate. This rate has a range of five percent to 20 percent. Its determination is based upon the following factors: the amount of your advance, the sales from your credit cards and the repayment period previously agreed to by you. The length of your repayment period can range from 90 days to 24 months. It is based upon the amount of the advance. And, repayment immediately commences upon receipt of the funds.
The Advantages of a Merchant Cash Advance
Typically, business owners who are in need of funding find merchant cash advances to be appealing because of their benefits. Such benefits include the following:
• Simple Application
• Fast Funding
• Lax Credit
• Nonexistent Collateral
• Accommodating Payments
• Uncapped Limit Amounts
The application process for an MCA has been streamlined to whereby it can be performed online. All important documents can be uploaded in a matter of minutes. So, your bank account statements, credit card statements, tax returns for your business and other documents can all be uploaded with little to no hassle.
Fast funding is always a plus. A decision can be provided to you within a few hours, and funding occurs soon afterwards. Such a quick turn-around time is essential, especially with time-sensitive issues like payroll and other expenses.
Stringent credit scores do not play a role in securing a merchant cash advance. MCA lenders are more concerned about your credit card sales and the longevity of your business than with your business and personal credit scores. Typically, if your credit card sales are consistent, then your approval of an MCA should occur. However, it should be noted that although leniency is shown toward your credit, your credit score will not improve just because you have obtained a merchant credit advance.
In order for you to be approved for an MCA, no collateral is required. There is no need for you to leverage any of your business or personal assets just to obtain a merchant cash advance.
Merchant cash advances can offer you flexible payments. Instead of paying a set interest rate and payment each month, your payments can be adjusted according to a predetermined percentage of your credit card sales for that month. Your payments will fluctuate because your monthly credit card sales will determine the amount of the payment. So, your payments will never be static. Such fluctuation in your payments will practically guarantee you that your payments will be lower than what a fixed payment would have been. Therefore, you will not need to struggle to make the payment since it will probably never be greater than the amount of income from your credit card sales for that month.
Merchant cash advances can offer you higher dollar amounts. An MCA can range from several thousands of dollars to millions of dollars. Since MCA lenders have more freedom to offer money, they tend to be more attractive to business owners than other traditional sources of capital.
Disadvantages of a Merchant Cash Advance
There is a dark side to a merchant cash advance. That dark side is its cost. Business owners who receive an MCA are expected to pay what is known as a factor rate. The factor rate is the amount of money that is to be repaid to the MCA lender. It is a decimal point number. It varies between 1.1 and 1.5. The factor rate is frequently misunderstood. It causes confusion because it does not accurately depict what it is – a fee. It camouflages the interest rate by making it appear to be lower than what it really is. However, upon a thorough examination, you will determine that a merchant cash advance can be quite expensive.
If your business needs a quick infusion of money in order to make payroll, pay bills or seize an opportunity, then a merchant cash advance may very well be the right solution. However, it would be in your best interest to take into consideration its costs, too.

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