Best Merchant Cash Advances

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.

Invest in your business

Use the loan to grow your business however you wish.


Use the loan to pay your employees.


Keep the cash on hand for future expenses.


Buy new equipment to grow your business.


Use the loan to hire new employees.

We Fund Fast

24-48 Hours

Loans up to

$10 Million

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5 Stars

Delancey Street Can Help with Best Merchant Cash Advances

We're committed to building relationships and helping people all over the USA get access to the RIGHT loan for them. Regardless


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Easy Application

Our app process is super easy. 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.

Hear from people we’ve helped

“Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.”

- Leena, VP of Sales at Waist Karma

Best Merchant Cash Advance Rates

Merchant cash advances aren’t loans. They are a form of “factoring,” where a lender – like ourselves, is looking at how much money your company makes – and gives you a cash advance against it. When you apply for a merchant cash advance with Delancey Street, we only look at your monthly gross income. Typically, approvals are generated in 1-2 hours, and it’s possible to get funding in 24 hours.

Pro’s of cash advances

  • Fast access to funds
  • Easy approval process
  • Bad credit is ok
  • Great for a whole array of businesses
  • Con’s of Cash Advances

Who should get a cash advance 

If you need money FAST – and can’t afford to spend time dealing with the traditional lender qualification process – then a merchant cash advance is ideal for you. If you had bad credit, again – a cash advance is a great idea – because merchant cash advances are based off your income – not your credit. If you’re a new business, – again, cash advance is great – where traditional lenders might turn you down. Bottom line, we’re super flexible – and sometimes, that’s what you need.

Con’s of cash advances

  • High Fees than traditional business loans
  • Daily reduction of cash flow to repay cash advance
  • You can’t service providers until loan repaid

Why business owners should be careful

There are “con’s” to merchant cash advances, just like any financial product. Merchant cash advances can be more expensive than a traditional loan. This is due to the fact that lending guidelines are less stringent, which makes them a more risky loan for a lender.

Merchant Cash Advances Explained

If you need working capital then a cash advance is a brilliant idea. It can help you jumpstart your fundraising efforts – and you can use the funds for virtually anything you need. You can use the merchant cash advance funds to pay for bills, equipment, or even for rent. Bottom line, if you need cash fast to fulfill expenses – then a merchant cash advance is ideal. Regardless of why you need the cash advance, it’s important to be aware of the fact there are advantages and disadvantages. After you read our article, you’ll get a great idea of:

  • What a cash advance is
  • The pro’s and con’s of mca
  • Who a cash advance is right for
  • Why business shoulders need to be careful with merchant cash advance
  • What alternatives you have to cash advance when times is of the essence

How cash advances work

This is not a loan. It’s a NEW type of financial product. They are an ADVANCE, which is given based on your existing income. We give you a lump sum of money, and then you repay it over a period of days. It could be 100 days, 150 days, or 50 days. The amount you borrowed is repaid using a % of your daily gross income. For example, you might be asked to repay $100 a day, for 60 days, in order to repay your loan. The great thing about cash advances is that you’ll know exactly how much you’re expected to pay -and you’ll never be confused.

Bad Credit Merchant Cash Advances

Whether your business is having a cash flow problem or just needs cash for payroll, a merchant cash advance could be a useful funding option. A merchant cash advance is a way for you to get cash for all of your business needs. Once you apply for an advance, you can get cash in just 24 to 48 hours.

How is this different from a normal term loan?

Merchant cash advances are based on your business sales ONLY. When you ask for an MCA, we’re looking at your credit card sales, and monthly bank deposits. We look at your expenses, and based on all of this, we figure out how much you can afford to borrow and repay! Typically, we’ll give anywhere from 100-300% of what you make in a month as a cash advance. You then repay the loan with daily or weekly payments that are automatically deducted from your account.

What are the benefits of a cash advance if you’re getting rejected elsewhere

There’s a number of reasons why a cash advance is popular. Bad credit isn’t an issue period – and you have flexible repayment plans, fast cash, and a simple process. With all of this, why would anyone not want one? It’s a useful option for owners who need cash quick.

There’s literally no collateral needed. Many banks need a personal or business asset in order to get the loan. The bank wants to guarantee they’ll get their money back if they do not repay the loan. With a cash advance, you have zero need of collateral. In addition, the cash comes fast – if you’re suffering from cash flow problem then a cash advance is a great option. After you apply, you can get the money in just 24 hours.

Are There Alternatives to a Cash Advance?

This type of funding works great if you have an established business which makes money. It’s great if you need money fast, and are open to flexible repayment plans. If you need cash, and want an alternative, we can help you with a few different options too!

Credit cards: We can recommend credit cards that might be good to help you cover your expenses.

Term loans: If you have time, you can try to qualify for a traditional term loan. This is like a mortgage, and you borrow a certain amount that is repaid over a period of time. You can get a fixed or variable rate. The APR is often lower than a merchant cash advance. It takes longer to apply for a business loan though.

Bad Credit Merchant Cash Advances

Whether your business is having a cash flow problem or just needs cash for payroll, a cash advance could be a useful funding option. A merchant cash advance is a way for you to get cash for all of your business needs. Once you apply for an advance, you can get cash in just 24 to 48 hours.

Factor rates matter

Unlike a normal loan, cash advances don’t have an APR. Instead, you’re paying a factor rate. It’s a decimal point number, which represents what you have to repay to the lender. This fee can vary, but can be anywhere from 1.05 to 1.4. When considering a cash advance, it’s important to keep in mind that applying is a straightforward process, and it’s very transparent. It’s something you can do online, and you’ll know exactly what you are obligated to repay back.

The app process

It’s simple. You upload your documents online, fill out the online application, and provide 3 months of bank statements and/or credit card processing statements. You can get approved fast, and typically in just a few hours. This is great if you need money fast in order to cover your payroll, or other business expenses you have.

Credit isn’t a factor, whereas most business and personal loans require that you have a strong credit score. Most cash advance lenders are very lenient and/or ignore credit. You’re able to get a decision within a few hours and funds in 24 hours. The cash advance lender specifically looks at your income, and whether your business makes enough to afford the loan.

No collateral

One of the reasons many companies accept a cash advance is because there is NO collateral to get it. Most traditional loans require some form of collateral in order to make sure you will repay the loan. In a cash advance, you don’t have to put up any personal, or business, assets, in order to get the cash advance.


Small business loans have a fixed interest rate, and fixed monthly payments. It means you owe the same amount of money every month on your loan. It’s helpful especially if you need to budget your expenses. But, some people can have an issue with a fixed monthly payment. If you have a slow month and can’t make the monthly payment – this can be a problem. With an MCA though, it’s easier. MCA repayments are a % of your daily/monthly sales. That means you don’t need to worry if your business is slow. The cash advance will accomodate that!

High limits

Bad credit isn’t an issue with a cash advance, and neither is the limit. As long as your business produces enough income, you can qualify for ANY size cash advance.

User Rating
5 based on 2 votes
Service Type
Merchant Cash Advance
Provider Name
Delancey Street,
Delancey Street provides Merchant Cash Advance loans nationwide. Contact us for a Merchant Cash Advance when your business needs funding, and you have bad credit, and need help.