How you can use a small business loan

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

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

When a lender gives you a merchant cash advance, they’re giving you an advance based on your credit card sales. Learn more about how cash advances work by reading this article. You can also learn more about how merchant cash advances work, as well as some alternatives to this funding method.

What Exactly Is A Merchant Cash Advance?

This funding method isn’t a loan so much as it is a type of cash advance. The amount that you receive from a merchant cash advance will depend on your credit card sales in your business bank account. Once you apply for a merchant cash advance, you can get the funds deposited in your bank account within a day or two. In most cases, you can get your business funds within 24 hours.

MCA lenders see credit criteria and risk differently than most cash providers. For example, they will look at the number of credit card receipts in your account. They do this so that they can determine whether you can pay back the advance on time. Due to this difference, the rates of a merchant cash advance can be a lot higher than other types of funding. For this reason, you should always look at the terms of an MCA to make sure that you can pay back the funding according to the provider’s rules.

What Exactly Is A Holdback?

Many business owners don’t know the definition of a holdback and how it applies to them. The amount of a holdback operates as a percentage of your business’ credit card sales that then gets put on your advance. Most merchants’ holdback percentage tends to be between 10 and 20 percent. Lenders make this a fixed percentage until the merchant repays the money.

Due to the fact that the amount you repay will be based on the percentage of your account’s daily balance, you might be able to pay back the advance a lot faster. How fast you pay back the advance will depend on the amount of credit card sales that you receive. If your transactions turn out to be lower than expected, then a lower amount of money will get drawn from your merchant account.

What’s The Difference Between An Interest Rate And A Holdback Amount?

Some merchants don’t realize that there is a big difference between an interest rate and a holdback amount. Many MCA lenders charge something called a factor rate. The factor rate doesn’t get amortized at any time during the repayment term. This is one thing that makes the factor rate different from a traditional loan. For most merchants, the factor rate can be anywhere from double to triple digits. The exact factor rate that you will pay will depend on the lender that you choose.

Should You Take Out a Merchant Cash Advance?

In some circumstances, taking out a merchant cash advance could make financial sense. But before you sign any contract, you will need to make sure that the cash advance terms are palatable to your situation. Due to the fact that the qualifying terms of many MCA providers are lower than those of traditional lenders, there is a high cost of taking out an MCA. But many business owners successfully use MCAs to fund different aspects of their business.

What About the Alternatives to a Merchant Cash Advance?

Some business owners decide that a short term loan can meet their financial needs. Other merchants that have a high credit score have found that business lines of credit can help them run their operation with positive cash flow. To pick the solution that’s best for your business, compare terms, interest rates, and other factors that determine the amount you will pay back over time.