School Bus Invoice Factoring

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

School Bus Invoice Factoring

The process of invoice factoring consists of an organization using the services of a factoring company to take care of its open receivables. Doing so results in numerous benefits, including not needing to spend time and money waiting for customers to pay their invoices and receiving the vast majority of that money upfront from the factoring company. As a result, all of the expenses that go into the daily operations of the business can be much more easily taken care of.
It’s important to note that this is not a loan, so no debt is being created by using this type of service. Instead, what occurs is that the payment and the credit history of the customers of that business are considered when determining the amount of the cash that is received from this process. For these reasons, invoice factoring is especially enticing for companies that don’t want to create or increase their debt or might not qualify for traditional loans.

The Steps of Invoice Factoring

Anytime that an invoice is created and would otherwise be sent to the customer, it instead gets sent to the factoring company, which purchases it and handles the process of being paid by the customer. Once this occurs, it sends roughly 90 percent of the amount due to the company that is using the service. Most of the remaining balance is then paid once the customer takes care of the invoice on his or her end. A small fee remains with the factoring company.

Benefits Over Loans

Probably the most noticeable benefit of using invoice factoring is being able to receive the money in a much quicker time frame than would be possible when either waiting for the customers to pay the invoices off or attempting to get a loan or line of credit. As far as a loan or line of credit goes, it should also be noted that, even if you are approved for this, it will create debt while invoice factoring won’t. Also, companies that cannot be approved for those or are approved for relatively small amounts often urgently need the cash, usually even more urgently than those organizations that can be more easily approved for loans or lines of credit.
Meanwhile, those applying for invoice factoring are generally approved in minutes. Of course, the exact invoice factoring lines that are approved can vary a bit, but they generally range from $50,000-$20 million.

Invoice Factoring Agreements

Four aspects of the factoring agreements are the most important: length, volume, rate and fee.
The length of the contract can vary quite a bit, often for several months but even as long as a number of years. Some factoring companies also offer month-to-month contracts.
A volume commitment is included in most factoring agreements. The more volume of invoices that a company can guarantee, the more money and lower rates that it will receive as a result.
The exact percentage of the invoice amount that is provided right away varies on a number of factors such as volume, pay trends and how credit-worthy the customers are. They generally start at 70 percent.
The amount of the fees also depends on a number of factors. In this case, these include the volume and size of your invoices, the pay trends of the customers, the industry that your company is a part of and so on. Conversely, some factoring companies charge everybody the same fee.

Invoice Factoring Company Types

Some factoring companies provide their services only to organizations in a specific industry. For example, one such company might only work with trucking businesses. These are called factoring specialists. Conversely, the other main type of factoring companies, factoring generalists, provides services to all types of companies.
Another difference between factoring companies are those that are recourse and non-recourse. The former, which is most common, reserve the right to sell invoices back to the companies that it works for if the customers haven’t paid them in a certain time period, generally at least 90 days. Meanwhile, non-recourse factoring means that the factoring company is responsible for the invoices in the end, even if they’re not paid. Do note that these types of factoring companies are relatively rare.

Do you need a small business loan?

Apply now