Laredo Small Business Loans

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

Laredo Small Business Loans

At some point in the course of a small business’ life, it is virtually assured that the company will need financing to best grow and carry out its operations. Almost all businesses in the U.S. today rely on some form of financing. And in contrast to personal finance, where interest payments and loans are almost always no better than a necessary evil, income-producing businesses can make the use of credit facilities a very strong business move and, in some cases, even better than using cash. For these reasons, it is important for small business owners to understand the many different forms of credit and other means of financing available to them.

Small business is still in the financial big leagues

Many small business owners are relatively unsophisticated when it comes to big-league finance. Start talking about warrants, mezzanine tranches and convertible options and you’re likely to see the average mom-and-pop business owner’s eyes glaze over. But while small business finance isn’t rocket science, it is important to understand the many different options that exist for financing. When used with skill, small business finance can provide many creative options for nudging fledgling operation out of the nest and towards the sky.

Bank loans and lines of credit aren’t the only options

For small businesses that need relatively large amounts of capital, that have proven revenue models, are operating in established industries and have ownership that is personally financially responsible, going with traditional bank financing or other forms of traditional business lending will likely prove to be the best option. All things being equal, traditional lending offers far higher limits, lower fees, lower interest and better terms than other forms of small business financing. But traditional lending does come with some risks and costs. For instance, small business loans are often partially secured by the owner’s personal assets. For million-dollar business loans, this can mean that a potential future default may carry the risk of the business owner losing their home.
Additionally, there are an increasing number of small businesses that simply don’t conform to the typical standards that traditional lenders impose. In these cases, even for companies that have the potential to make a killing, the businesses may find it virtually impossible to secure a traditional bank loan or a small business line of credit. For these companies, alternative financing may be the more attractive — indeed, the only — option.

Small business credit cards

Small business credit cards are very similar in function and requirements to personal credit cards. The only difference is that they often come with far higher credit limits. This form of financing can be appropriate for small business owners who need capital but not too much. Approval for small business credit cards can often be instant. And the credit limits for small business cards is typically in the $10,000 to $25,000 to start. Another benefit is that credit cards are almost always unsecured, meaning that no collateral has to be risked. This is one of the only forms of true unsecured business credit, a consideration that makes it very attractive for businesses that don’t mind the low limits.
However, the downside is that these cards can come with hefty fees and, if the balance is not meticulously paid in full and on time every month, credit cards can quickly become one of the most expensive form of financing around. Another issue is that many businesses simply need far more capital than is usually possible to obtain through a credit card. And in most cases, someone with the credit score needed to get approved for a $25,000 small business credit card will usually have what it takes to get approved for a small business line of credit that can easily be 40 times that amount.

Invoice and other asset-based finance

Many small businesses have valuable assets. This can be real estate, capital equipment or accounts payable. Financing that uses the latter for of asset backing is known as invoice finance or factoring. For companies that don’t have sufficient credit or perceived revenue stability to secure more traditional financing, invoice and other asset-backed financing can be a great way to generate a lot of cash on short order.
Invoice financing can be thought of as a kind of title loans for businesses. They can be fast, with approval coming in as little as a day. Businesses can also be approved for amounts that rival small business lines of credit. The downside is that the fees can be very high and the invoice finance company literally owns part of the business’ future cashflows. This can have an adverse effect on the business’ customers in some cases, as invoice finance companies may take over the collections process themselves.

Mezzanine finance and angel investors

For companies that have unproven business models that would simply be deemed to risky for traditional lenders and that need large infusions of capital, mezzanine finance and angel investors can be a means of generating the needed capital.
Mezzanine finance is typically used to refer to a combination of loan and equity finance where the lenders get some form of equity stake in the company. Angel investors are a kind of mezzanine financiers, usually taking on the financing of some of the riskiest startup ventures, which typically have a very high probability of failure.
The upside of mezzanine finance, in all its forms, is that it can provide critical money to businesses that may otherwise have no way of proceeding. The downside is that this form of financing often results in severe dilution of the owner’s equity when the companies do take off. In the case of angel investors, because every successful company may be financing 20 or 30 failures, these investors often look for returns in the 3,000 to 4,000 percent range. This means owners and founders often get the extremely short end of the stick in these deals.

What’s best for your company

While traditional bank financing is often best for those firms that can get it, the alternative forms of financing provide a nice backup and plenty of food for thought when considering what type of small business financing to pursue.

Do you need a small business loan?

Apply now