Pledgecap Business Loans and 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

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

Pledgecap Business Loans and Merchant Cash Advance

A merchant cash advance is an alternative business financing option for companies that have a large volume of credit card transactions. Your business receives financing upfront and repays the advance with a percentage of your daily sales.

Merchant cash advance providers assess risk and evaluate credit criteria differently than a traditional lender. A merchant cash advance company looks at your business’ daily credit card transactions to determine if you can repay the funds according to the payment schedule. Basically, the merchant cash advance provider agrees to provide you with a lump sum of money in exchange for a portion of your daily credit and debit card sales.

Merchant cash advances are a good option for business owners that need a temporary cashflow solution for those who may not qualify for a traditional bank loan. It’s typically fast, but it can be an expensive business financing option.

There are several reasons why a merchant cash advance is a great funding alternative for businesses:

Bad Credit is Often Accepted. Traditional lenders are very strict and can deny you a loan due to a bad credit record. This can prevent you from obtaining funding for your project or business. However, one of the benefits of using a merchant cash advance as a funding source is that applicants with a bad credit history can still be approved, even if they have a low credit score.

The Approval Rate is High. Getting a small business loan from a traditional source can be a hassle. The process often involves extensive documentation, complicated contracts, and other stringent requirements. Since merchant cash advances do not require a perfect credit score or great financial history, it has a high approval rate.

No Collateral is Needed. Another advantage of a merchant advance is that it is not a loan; it is an alternative funding option separate from traditional bank loans. Because of this, it does not require collateral and the transaction does not show on credit reports.

Application Process is Fast and Easy. A traditional loan can take several weeks to finally be processed. With a merchant cash advance, you can get access to funding within the same week that you submit the application.

Simple and Hassle-Free Repayment. In addition to having a simple and hassle-free application process, a merchant cash advance also involves a very simple repayment process. Your payments fluctuate based on your daily sales. Meaning, when you have more sales the payback amount will be more, and when sales are slow you will pay back less. This revenue-based repayment plan allows a business to grow instead of draining its resources.

Who Qualifies

Merchant cash advance companies are typically more concerned with a business’ current cash flow than its future profitability. This means, if you have a consistent cash flow, you might be able to qualify for a cash advance regardless of your credit score, how long you have been in business or other business factors.

Merchant cash advances are ideal for a wide range of businesses, such as retail shops or restaurants whose revenue comes primarily from credit and debit card sales. There are no time-consuming credit checks and no rigid repayment plans. A merchant cash advance is well suited to any company that receives the majority of its payments by card.

A merchant cash advance can help with:

. Equipment needs
. Inventory Purchases
. Short-term capital needs
. Marketing opportunities
. And more!

How To Apply

A business can apply for and obtain funds from a merchant cash advance company within a few days. The application process for a merchant cash advance is simple.

Most merchant cash advance providers offer a quick and easy online application. Unlike traditional business loans, the application process for a merchant cash advance can be completed quickly.

You do not need to drive all over town trying to find a loan office to submit an office. You can simply go online and fill out the simple application, right from the comfort of your own home or office.

You only need the following items to get started:

Credit Card Processing Statements
Business Bank Statements
Years in Business
Business Tax Return

If you want to get access to your merchant cash advance as quickly as possible, it is advisable to have these documents ready prior to submitting an application.

Summing Up

If your business needs funding quickly, you can take advantage of the quick and easy application process. With a merchant cash advance, you could get upfront working capital in exchange for a percentage of future sales.

But before finalizing the transaction, it is imperative that you carefully go over the contract, including the cost of the money and the repayment term. Reading the terms and conditions of the agreement will enable you to make an informed decision about whether or not getting a merchant cash advance is right for your situation.

Do you need a small business loan?

Apply now