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

There are many options available for small businesses looking for financing options. While many business owners consider the merchant cash advance to be one of the better options, it is important to understand exactly what is involved with obtaining and using a merchant cash advance.

An MCA or merchant cash advance isn’t a loan. Rather, it is an advance that is dependent based on credit card sales that have been deposited into a company’s merchant account. The business owner can then apply for their merchant cash advance and have their advance deposited into the business checking account quickly–oftentimes within 24 hours.

Providers of merchant cash advances evaluate the risk and weigh the criteria for credit differently than other traditional lenders might. These providers look through receipts from credit cards to determine if the business will be able to pay back their advance in an efficient manner. For this reason, rates for a merchant cash advance are typically higher than other options. Business owners must be sure to understand the terms of a merchant cash advance so that they are able to make the best decision as to whether the MCA will meet their needs.

Understanding Holdback

When evaluating a merchant cash advance as a financing option for a small business, owners must learn what is expected of them in terms of repayment. “Holdback” when referring to a merchant cash advance can be defined as the percentage of credit card sales that will be applied to the cash advance. A business’ holdback percentage (typically between 10% and 20%) will be fixed until the cash advance is repaid.

Since repayment is determined by the percentage of a business’ daily balance in their merchant account, a business that has more transactions with credit cards will be able to repay their advance faster. As the payback for the merchant cash advance is relative to all incoming credit card receipts, if transactions happen to drop for a period of time, the draw from a business’ merchant account will lessen.

The Difference Between the Interest Rate and Holdback Amount

Merchant cash advances may make sense for businesses that need money as soon as possible,but all business owners should do their best to ensure that this short-term opportunity makes sense financially for them. Since qualifying criteria is less stringent than it is with other lenders, the merchant cash advance comes at a premium cost. With this in mind, the MCA has proven itself to be a viable option for business owners looking to access capital quickly.

It is important to note that since the merchant cash advance is not a loan, providers don’t report the payment history to any business credit bureaus. Thus, choosing an MCA will not help business owners strengthen their credit profiles.

What are the Alternatives to the Merchant Cash Advance?

Small business owners that are looking for alternatives to a merchant cash advance often choose to use short-term loans. Business owners that have strong credit will be able to leverage a line of credit as a way to meet any short-term needs.

Short-term loans can be used for as short a period as one or two months and will offer business owners terms that may be more beneficial than an MCA. Business owners should expect to make periodic payments either weekly of daily, which is less intensive than having to make one large payment at the month’s end.

Business owners looking to grow their business should carefully consider whether to choose a merchant cash advance, a traditional short-term loan, or another option for financing. The right choice will have the greatest impact on growing the business without causing any financial damage in the long term.