Bronx Merchant Cash Advance

We empower entrepreneurs, real estate investors, and businesses of all sizes challenge the status quo. We take risks on the go-getters, and do’ers – who have an opportunity and need a partner.At Delancey Street, we invest in people and their ideas – not abstract concepts like credit scores, or other financial metrics. Tell us about your idea, let’s discuss your opportunity

High LTV

We fund loans up to 80-90% LTV with no issues.


We promise to treat you like a partner.

No $ Limit

No limits on what we can do for you.

Recently Funded Projects

Residential Refinance
Residential Refinance

Residential refinance in Los Angeles, with a loan amount of $830k, at 75% LTV. We were able to help the investor get a loan at 8.99% with a balloon payment after 18 months.

8.99 %
100% Funded!
Residential Investment
Residential Investment

Delancey Street funded a new residential purchase in California, for $1.2 million with 82% LTV. We helped the developer with a loan at 11% with a balloon payment in 9 months.

11 %
100% Funded!
Residential Investment
Residential Investment

Property in New York was torn down, and redeveloped. We provided a 60% LTV loan for $700k. We charged no upfront fees, and had a balloon payment after 10 months.

9.0 %
100% Funded!

Hear from people we’ve helped

“Delancey Street makes lending easy. They took a chance on me when no one else would.”

- Leo kovacz

Industries We Service

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:

As an entrepreneur, you need capital now. A merchant cash advance is a quick source of capital for your business. It is different than a loan because it is based entirely on your credit card history. You only pay back a percentage of your sales as you earn them.

How Does It Work?

This funding technique works best for companies that gain revenue from credit card and debit card sales. Because of this, they are often used by retail centers and restaurants. It is not a loan because it is merely pre-paying you for your future sales. You get an upfront, lump sum determined by what you will make in the future.

After getting the advance, you have to pay back a percentage of what you make in credit card transactions. Known as the retrieval rate, this percentage is generally 5 to 20 percent of the sales. You never have to make a fixed payment each month. Instead, you pay back a percentage until the advance is totally paid off.

The fees are set according to your ability to pay back the merchant. The factor rate is typically around 1.2 to 1.5 according to your company’s risk. A higher factor rate means you pay higher fees. An advance of $50,000 with a factor rate of 1.4 would cost $70,000 to pay back.

Payments Are Determined According to Your Sales

With a term loan, you have to set aside a fixed payment each month. A merchant cash advance is different. The business pays a percentage of the credit card sales they bring in each month. The provider automatically deducts this percentage from your sales until the advance is paid back. The repayment period can take from 90 days to 24 months depending on how much you borrow and how much you sell.

The Advantages

This funding technique works well if you are pressed for cash. A loan can take days or weeks to apply for. Even when you have turned in all the paperwork, it can take even more time to approve the loan and get you the money. A merchant cash advance is much faster. You get approved within the first day. Then, you get the money within just two days or less.

With a merchant cash advance, you never need to have collateral. The funding is set according to your sales. You do not have to risk your assets as collateral or use personal assets for your business. You can also get this funding if you have poor credit. The main thing that matters is your sales history.

Why Do People Choose a Merchant Cash Advance?

Many people choose this funding option because they are fast. You do not have to do in-depth, onerous paperwork. Since a merchant cash advance is unsecured, you do not have to use collateral. This means that you will not lose your home if you cannot pay it back. When your sales are down, you do not have to pay back a high fixed payment. You only pay back a percent instead of a set amount.

Like any type of loan or advance, there are drawbacks to this kind of funding. The contracts can be confusing, so it is important to go for a provider you trust and who has a straightforward process. Depending on how long you take to pay back the money, your functional APR could be much higher than a normal bank loan. If your sales drop, it will take you longer to pay back the money. No matter how long it takes you to repay the money, the amount you pay is still the same because the advance uses a factor rate instead of an APR.

Before you get an advance, do your research. Make sure that you will be able to comfortably repay the money. You also want to read through the contract and check the factor rate to see if you are getting a good deal. If the numbers work out, then this could be a good choice for your business.

User Rating
5 based on 1 votes
Service Type
merchant cash advance
Provider Name
Delancey Street,
Bronx, New york
Delancey street is a Bronx merchant cash advance company.

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