Simply 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

Simply Business Loans and Merchant Cash Advance

If you need working capital for a business, you may consider a merchant cash advance (MCA). An MCA is not a loan. It is an advance that you pay back through credit card receipts. If you need money for your business quickly, a merchant cash advance is one of the ways you can receive it faster than a loan. If you are considering an MCA, educating yourself about the payback process is beneficial.

How Does a Merchant Cash Advance Work?

An MCA works like a typical cash advance for an individual. You get a lump sum for your business and then there is a holdback of your future credit card transactions. The retrieval rate is determined upfront so you can consider the impact. This percent is usually between 5% and 20% of each credit card transaction. When you receive the lump sum, the holdback starts. The holdback usually lasts for three months to a few years, depending on your credit card transactions.

How Much Will You Get?

The MCA provider will look at your credit card receipts for the last several months and determine the amount of the advance.

What are the Benefits?

There are many benefits to a business that needs money fast. These benefits tend to outweigh the pitfalls because it is fast working capital and can help a business grow or get through a tough time.

  • You Don’t Need a Perfect Credit Score

    A merchant cash advance provider won’t just look at your credit scores. They are usually less concerned about a credit score and more concerned with your ability to pay the advance back.

  • The Application

    Applying for a merchant cash advance is an easy process you can do online. If you need to submit documents, these are usually sent online or faxed.

  • Get Funds Quickly

    The approval process for a merchant cash advance is usually a day or two long. It may be longer but it isn’t as long as a business loan.

  • A Merchant Cash Advance is Unsecured

    You don’t need collateral to get an MCA. Your future credit card transactions are used to pay the advance back, so the provider doesn’t require anything else to secure the advance.

  • More Money

    Some providers will lend more money than a traditional lender. A provider has different qualifications than a bank loan, so they may offer a larger lump sum.

  • Easier Payments

    The amount you pay back for a merchant cash advance varies. You have the benefit of paying back the MCA with a percentage of your credit card sales. If your business has a slow month your payment is still made.

Who is a Good Candidate for a Merchant Cash Advance?

If you own a business that does mostly credit card transactions, you are a good candidate for an MCA. You may also need to build your credit before applying for a traditional loan. An MCA won’t help you build credit but it will help you get funds while you work on your credit scores. You may need to be in business longer to qualify for a loan, so an MCA will work for the short-term cash you need. An MCA is a good way to purchase inventory if you need it as soon as possible.

What are the Negatives of a Merchant Cash Advance?

The negatives of an MCA usually have to do with the payback. It is expensive to pay the MCA back and can have an effect on the cash flow in the business after the lump sum is gone. The interest can end up being very high over the payback period and fluctuates based on how fast your MCA is paid back. This may cause some businesses to have future problems. If you need cash right away and you are sure your business can survive the high fees and interest of an MCA, it is a good idea. If you have alternatives to an MCA, it is good to explore alternative funding first.

Some Alternatives to an MCA

  • Line of Credit
  • Partnering
  • Credit Cards
  • Loans

While a merchant cash advance offers money fast, there are some negatives to the payback of the advance. Look at all funding you qualify for, prior to considering an MCA. When you know everything that is available to help your business, it is easier to make a decision on an MCA. If you have an emergency and need cash fast for something like inventory, sometimes an MCA is the only option. The faster your credit card sales pay the MCA back, the more your interest rate for an MCA increases. The pros and cons of an MCA are for each business to weigh individually and decide if the cash advance works well for them.

Do you need a small business loan?

Apply now