Here's Who We Are

We're a Direct Lender

We’re a direct lender who funds small business owners nationwide, regardless of industry, credit, or time in business. We fund it all. GUARANTEED.

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We Provide Multiple Options

We have a lot of different financing options available to our clients. Regardless of your situation, we’ll have a solution for you.

Fast Approval

Our application process is completely online. You can get funds in your bank account in literally 24 hours.

The Working Capital You Need In 24 Hours.

We get you funding. It's that simple. Regardless of credit, income, or time in business - we'll fund you.


Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.


Receive application approval in as little as 24 hours. There is no credit check required.

Receive Funds

Review and return your signed agreement and get your money in as little as 24 hours.

Recent Funded Business

100K Term Loan

Ambulance Service

Our client bought a new ambulance.
2019 - June
55K Advance

Truck Funded

Our client used the funds to hire new team members.
2019 - February
85K Term Loan

Restaurant Funded

Our client used the funds for restaurant equipment.
2019 - May

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.

How Delancey Street Works

Fill Out Our Application

Answer basic questions about yourself and fill out our entirely online application. Each loan has its own online process.

Meet Your Concierge

We'll pair you with an experienced Delancey Street specialist who will reach out to you, and understand your needs. We'll try to determine which financial product is right for you.

Compare Our Loan Offers

We give you a few different loan offers based on your scenario and what options you qualify for.

Choose Your Loan

Once you've chosen a loan that works for you, we finalize it and start getting the documents needed.

Get Funded

Once we get all of the documents back, we'll get you funded ASAP.

We Help You Grow

After you get funded, your Delancey Street concierge specialist will keep in touch to make sure you're happy and doing well.

Business Loans

Get business loans ranging from 3 months to 18 months
No credit score requirement, we have a program for everyone
We can fund up to $5 million in virtually 24 hours

Atlanta Small Business Loans

Atlanta Small Business Loans

Most people who’ve started a small business or are considering starting one have asked themselves this question. Most likely, you’ve saved up a decent amount of money to start your business. This begs the question as to whether or not the cost of a small business loan is really worth the benefit. The answer is almost always, yes. Even if you have a significant amount of assets and resources, unexpected events are typical in the beginning stages of any new business. Having an Atlanta small business loan could potentially save a business from closing. The cushion they provide also helps new business owners stay current with trends and technology. Being competitive is critical in the small business arena. Those who fall behind are often required to sell personal assets or make unwise financial moves. There are many safeguards and types of loans that can alleviate the stress of financing your dreams. This article will cover the necessary steps to obtain financing and cover some of the options that are currently available.

How do you apply for an Atlanta small business loan?
There are a variety of methods for securing financing. Most people typically consider getting an Atlanta small business loan through their local bank. This is a good choice for those who are nearly ready to open their doors and are financially secure. The bank will typically provide a loan that’s backed by the Small Business Administration. The risk for the bank is minimized by providing this type of loan. The underwriting process is rather standardized. You’ll have to present a business plan that’s coherent and viable. You may be asked to provide some form of collateral to secure the loan or a significant down payment. While these loans offer good terms and interest rates, they are among the most difficult to obtain. Occasionally, grants from the SBA may be available for certain businesses and demographics that would benefit the industry and society.
For those who have a great idea but aren’t the “cookie cutter” customer, other options are available. Private equity firms and venture capital companies offer to fund the business for partial ownership and control. The terms of these loans vary greatly. It’s important to seek the advice of legal counsel prior to entering into this type of agreement. While these loans are a great opportunity for many people, there have been companies that have taken advantage of inexperienced borrowers. One must remember that with partial ownership comes some level of compromise. The investor will have some rights as far as making decisions for or on behalf of the business. It’s important to make sure that the investor is someone that you’d feel comfortable working with. This option is good for the unconventional borrower who has a great idea and doesn’t mind sharing control.
A business line of credit is for businesses that are already financially established. While the business’s credit is the preferred method of qualification, personal credit may be considered as well. The owner is provided with a credit account that can be drawn upon whenever they’d like. The benefit is that the underwriting is done upfront and the owner doesn’t have to use the entire amount. The terms vary, however, it’s typical to have to repay the entire loan plus interest regardless of how much has been used. The business owner will most likely have to furnish the company’s accounting reports. Profit and loss statements, tax returns, personal finances, cash flow reports, and more are often required to qualify. This is a good option for established businesses that occasionally experience fluctuations in cash flow. The rates are typically slightly higher than conventional Atlanta small business loans.

Merchant credit advances are also a newer option available to established businesses. With these advances, cash is given for sales that have been processed but not yet paid out. Similar to personal credit card advances, there’s typically a premium that must be repaid. While the rates are higher, this is a good option for businesses that must cover an unexpected expense or a temporary shortage in cash flow. The underwriting and processing times are among the fastest, also making this option more attractive.
Invoice funding and factoring are also relatively new concepts. This allows a business owner to take out a loan on outstanding invoiced revenue. The owner typically has to provide documentation of a receivables history and possibly other financial statements. While this is considered one of the faster methods of financing, it’s also one of the most expensive. The risk the lender assumes is greater than with credit advances, so chances are there will be a significant premium attached. All things considered, these loans provide cash to businesses with less than perfect credit with a quick funding process.
What can be done to improve my credit?
If you struggle with credit problems, you’re not alone. It’s best to obtain your credit report and try to repair as much as you can on your own. You may want to sign up for a service that will monitor your credit activity and FICO score. Some of these services are free of charge. You’re also entitled to view your credit report for free each year. Simply contact the credit bureaus for the report. You can also dispute items on your credit report directly with the credit bureaus. If you’re inexperienced or don’t have the time, you can hire a credit repair service for a fee. These services are often able to remove derogatory items from your credit report. The services take a little time to work; however, it may be worth the wait.

Now that you’re ready to be approved:
Once you’ve been approved you’ll want to make sure that the loan is processed efficiently. Delaying the lender by not providing information can often irritate them to the point of denial. Also, make sure everything is disclosed. Lenders don’t want surprises to come up at a later date. Being honest and upfront will get you the Atlanta small business loan you’ve been wanting, quickly. Just be certain to establish a strong payment history and before you know it, you’ll be getting approved by everyone.

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"
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
$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.
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