Oakland Small Business Loans

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As a business owner in Oakland, California, you have to look at the various opportunities that are available. You may be able to grow your business considerably with more capital. At Delancey Street, we cater to small business owners. Over the years, we have helped Oakland businesses with bad credit loans, merchant cash advances, and lines of credit. We can even provide a loan of up to $2 million to small businesses in Oakland.

A Fast Approval Process

We offer a fast approval process so that you can get the funding that you need. Bad credit is acceptable. You can use the funds how you want, allowing you to fund payroll, buy new equipment, take advantage of various marketing opportunities, and more.
Our approval process is faster than traditional banks. Plus, funding is usually taken care of within two business days.
Perhaps the most important aspect of getting bad credit small business loans with us is that we offer flexible repayment plans. This ensures that we can work with your business regardless of its cash flow structure.

Applying for Loans

Applying for a loan can be a tedious process. A traditional Oakland business loan may require you to submit financial statements, balance sheets, and much more. A bank may also require you to submit a full business plan, identifying exactly how you plan on spending the money.
Our application process is a lot easier. You don’t need to submit as much documentation. Plus, we can work with a bad credit score.

Understanding Your Credit Score

You will hear about your credit score becoming a determining factor when obtaining any kind of funding for your small business. There may be two credit scores that are used: your personal one and your business one. Particularly if your business is relatively new, lenders may use your personal score as a way of identifying your creditworthiness.
The best way to find out what kind of credit score you have is to request credit reports are from the different credit bureaus. You can see what your credit score is. You can also review the reports to find any errors. If you do notice an error, you can work with the bureau in order to get it sorted out. This way, they will accurately report your credit score.
It can take time to improve your credit score. You can do this by paying off delinquent debts, paying on time every month, and closing accounts that you no longer use.
If you still can’t improve your credit, Oakland bad credit small business loans are available.

Reviewing Loan Terms

You never want to sign a legally binding contract with the lender until you have had a chance to review the terms. This includes reading through all of the fine print. You should identify what your APR is as well as what the different fees are going to be. If you are late on a payment, find out what the fee will be and whether it will impact your APR or not.
Different lenders have different loan terms. This means that even if you have gotten a small business loan in the past, the terms could still be different.
It is always a good idea to identify what the true cost of your loan is going to be. Calculate how much interest you are going to pay over the length of the loan. This will make it easier to determine whether getting a loan is right for you at this point in time.

Applying Today

Getting a loan may be the best way to get the necessary capital for your small business in Oakland. Once you decide how much you need and what you can afford to pay, we can help you explore the various loan options available to you.
Apply today and let us help!

Delancey Street Helps Business Owners Grow

We provide funding fast, with a completely online application.

Apply NOW

Use our online form and apply online. It's risk free - and cost free. We charge no application fees ever, and it's a simple process.

We Approve YOU

Get approved in less than 24 hours. We look at your business, and underwrite your file within 2-4 hours.

Get Funded

Once we make an offer, we send you an agreement, and fund you in 24 hours.

How We Help

Small business loans are a great way to grow your business. We fund business owners when traditional banks say no. Getting a loan from a traditional bank is difficult, we look past your credit score and fund you.

Get a $500-$100,000 small business loan

Get working capital in as little as 24 hours once approved

No risk - There is no application fee, and we don't charge junk fees that other lenders do.

5 Star Google Rating trusted by 100's of people like yourself who took money from us.

Get a Decision in as Little As 30 Seconds

We’re Fast. We Help Regardless of Credit. WE HAVE A SOLUTION FOR YOU.

Apply Online

We have a completely online application process, which is simple and easy.

Get Offers

We'll match you with the best loan offers we have that are financially responsible.

Get Funded Quickly

We'll fund you the same day you accept our offer.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
Leo
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
Jason
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
Mary
$250,000 Hard money Loan

In The Media

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
Delancey Street CEO discusses management on AMEX.

Ready To Get Started?

If you have questions, feel free to shoot us an email, or fill out our live chat.

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