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Small Business Loans Dallas

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

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.

Kevin Johns


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.

Small Business Loans Dallas

Dallas Merchant Cash Advances

Business owners of all types know that cash is key to remaining operational. When cash flow is healthy, it’s easy to maintain and even grow a business. During slow seasons or when there’s not enough cash to take advantage of a growth opportunity, the business owner looks for additional financing. That’s where the idea of a merchant cash advance comes into the picture. Here are some things you should know about this financing option before you decide it’s the best choice for your business.
So What is a Merchant Cash Advance?
A merchant cash advance is financing obtained from your merchant service provider. Essentially, it involves extending money that you and the provider agree will eventually be generated by your sales. The provider extends the money in a lump sum. In most cases, there are no restrictions on how you can use the advance.
How Does It Work?
While providers vary somewhat in how they evaluate applications for advances, the typical approach is to look at the merchant’s monthly business volume. Specifically, that’s how much volume the merchant generates through the provider. Based on the amount and the consistency of volume from month to month, the providers agrees to advance up to a specified sum.
The repayment process involves the provider withholding a percentage of each transaction conducted until the balance is repaid in full. That includes the original advance amount plus any additional interest or fees that apply. Once the advance is repaid, the merchant is free to request another advance from the provider.
What Advantages Come With a Merchant Cash Advance?
There are several key advantages that make this type of advance attractive. One has to do with the quick application process. Compared to other financing options, the merchant provides only a minimum of information.
Another benefit is that the merchant’s credit rating is not really a factor. The primary focus is on the business volume processed through the provider. That’s because the provider will incrementally recoup the investment in the merchant by retaining a small percentage of each transaction.
There’s also no need to pledge collateral of any kind. The merchant is still free to do anything with the company assets that he or she wishes to do. Funding is also fast and easy. In many cases, the funds will be in the merchant’s operating account in no more than one or two business days.
Are There Any Drawbacks I Should Consider?
Along with possible advantages, there are a few potential pitfalls surrounding merchant cash advances. The interest rates are typically much higher than traditional bank loans or lines of credit. The merchant must also be prepared to deal with the lower amount of daily cash flow, since the provider is keeping a percentage of each processed transaction.
If you were thinking about shopping around and finding a different merchant account provider, that will have to wait until you completely repay the advance. Even if some issue arises and you really want to find another provider, you must pay off the advance in full or face the potential for some serious legal problems.
Is a Merchant Cash Advance Right for Your Business?
The way your business operates is key to whether this is the right financing option for you. Businesses like restaurants or retail stores are ideal for this approach since they generate a higher volume of credit and debit card transactions daily. By contrast, if your company sends invoices to customers weekly or monthly and only a few of them pay using credit cards, this form of financing will likely be more trouble than it’s worth.
Remember that a reputable merchant account provider will help you understand if this approach is right for you. Feel free to ask any questions that come to mind, including how the interest rate is applied, how long you have to repay the advance, and what would happen if your business volume suddenly decreased. Once you have all the answers to your questions, it will be easier to decide if an advance is a good idea, or if you should look into a business loan or a line of credit instead.

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