Small Business Loans Manhattan

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

Small Business Loans Manhattan

Manhattan Small Business Loans

Your manhattan small business needs funds, which you can use to hire new employees, buy new equipment, and increase sales using different methods, such as opening a storefront. If you are facing a capital deficit, you may be tempted to go for a small business loan.
If you get approved, a Manhattan small business loan can help you get the funding you need to jumpstart the expansion of your company. Unfortunately, these loans are notoriously difficult to obtain. Also, if something goes wrong with your business, you could end up losing the collateral you put up for a specific loan.
Applying for a Manhattan business loan means the bank or lender may accept your application or deny it. You could also end up getting caught in a lending trap. Thankfully, we can help you be prepared for the process. Here are the top things you need to know before you apply for a small business loan:
Be Sure You Need the Manhattan Small Business Loan
It may seem obvious that the owner of the small business knows the reason why he or she needs to apply for a loan, along with the specific amount to borrow. Most startup businesses though find these details as a considerable challenge. Typically, owners are unsure whether or not they require financing.
If you are certain you need it, you need to take time to determine why you need the Manhattan small business loan. It is also crucial that you can clearly articulate the whys and how much you need. Some reasons include:
Purchasing real estate and expanding operations
Buying equipment and inventory
Increase money for managing daily operations (working capital)
Once you have the answers, you should focus on two things to get approved: your credit or financial situation and your reason(s) for applying for the loan.
Know Your Credit Scores
Your credit scores tell the lender regarding your reputation as a borrower. If your scores are low, do not expect the bank to approve your loan easily. There are two types of credit scores, and many lenders look at both:
Business or Commercial: The company should establish its credit history so that it will be quicker to obtain credit. After getting the federal tax ID number, the credit bureaus, such as Experian and Equifax start tracking credit and other transactions, specifically when a supplier allows a company to buy now and pay later.
Personal: Owning a business doesn’t mean you have to neglect your personal financial accounts. They still matter to lenders, and they look at how FICO or VantageScore sees your performance.
Many companies don’t realize that it is important to have personal and business accounts separately. Payment histories affect both types of credit, as well as the following:
High Outstanding Balance: If you have a lot of debt, you will be penalized for it – even if you pay on time. It is always a good practice to pay enough, or at least the minimum required amount.
High Utilization Rate: Credit utilization is the amount you use based on your revolving credit limit. Divide your balance by your credit limit and multiply the answer by 100 to get the utilization percentage. Preferably, the number should be below 10%.
Improve Your Credit Score
Prior to applying for a Manhattan small business loan, you should ensure your credit scores are ideal. Here are the steps to take that can help raise both your personal and business credit scores:
Get a copy of your credit report. With the Fair Credit Reporting Act, you can access your credit report for free. Go to Nav or CreditSignal’s site to get your business credit report. For personal, choose from any websites, including Credit Karma and
Make sure the report is error-free. Credit reports can have mistakes, such as the absence of a certain business activity that can boost the score. If ever you find an error, report it immediately.
Have a payment plan for your tax liens. State or federal tax liens can affect your score. If you can, pay the claim right away or simply have a payment plan that will help you pay for it.
Contact the creditors you have existing debts with and pay them down as soon as possible. Your credit report will provide you with the details about how much you owe and to which lender. If it’s past due, reach out to the creditor and pay for it as soon as you can. You can also request for a goodwill adjustment where the lender removes a late payment from your credit report.
Other simple ways to enhance your score include

  • Using less than 30% of your available credit
  • Keeping an old account even after you have finished paying for it
  • Improving your score through diversifying your purchases, such as buying on installment and opening a new account
  • Avoiding to opening many accounts at the same time
  • Using the services of a credit monitoring company

Get a Firm Grasp of Your Use Case
Several business owners get a small business loan and end up having difficulty paying it. You need to be smart in determining how much you need and how much you can afford. If you are unsure, you can seek the help of an accountant before you apply for the loan. Here are some methods that can assist you:
Figure out how much you need now by having a budget for the funds you’d receive from the loan. Determine what you will use them for and estimate their costs.
Support your application with financial statements, including your balance sheet and income statement.
You can also provide your cash flow statement along with the other two above. The documents will tell you where you’re making money and whether or not your business is lucrative. Being unprofitable doesn’t mean you cannot get the loan. What banks are interested in is how you plan to get out of the situation, which you should show during the application process.
Apply for the Loan
Once you have performed all the techniques mentioned above, it’s time to apply for a small business loan. Make sure that you have your financial statements ready, as well as your accounts payable and receivable and tax returns.
If you get approved, the lender will determine how much to offer you. The company will take note of your business financials. It will include an interest rate, which can either be fixed or variable. It pertains to the cost of borrowing the principal loan amount. The offer will also have an annual percentage rate or APR, which is a broader measure of the Manhattan small business loan and shows you the yearly interest to pay, along with the service charges and other fees.
Compare both the APR and the interest rate to find out if the Manhattan small business loan is right for you. Low-interest rates may not always be better since they usually have higher APR.

Do you need a small business loan?

Apply now