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

Google Rating

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


We're frequently interviewed by major media organizations.

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

A merchant cash advance is a type of funding that is given based on a business’s credit card sales. Many businesses apply for cash advances because they can get their funds quickly. In fact, people can often get the funds within 24 hours.

MCA Providers will review the business’s credit card receipts in order to determine whether the business will be able to pay the cash advance back. It is important to note that the interest rates on merchant cash advances may be higher than the interest rates on loans. That is why it is important to review the terms and conditions of the merchant cash advance before you decide whether this is the best option for you.

What is a Holdback?

Many people are not familiar with the term holdback. The holdback is the percentage of credit card sales that will be applied to the merchant cash advance. It typically ranges from 10 to 20 percent. The amount will usually be fixed until the cash advance is paid in full.

The MCA provider will use the merchant’s daily balance to calculate the holdback. A business that makes several credit card sales per day will be able to pay back the merchant cash advance faster. If a business’s credit card sales decrease, then less will be drawn from the merchant account. The payback will be determined by the credit card receipts.

What is the Difference Between the Interest Rate and Hold-back Amount?

The holdback amount is not the same as the interest rate. MCA providers typically charge a factor rate. Merchant cash advances are different from traditional loans because the MCA provider does not amortize the rate during the course of the advance. A factor rate may be in the double or triple digits. However, the factor rate will depend on the MCA provider.

Should I get a Merchant Cash Advance?

Many businesses take advances of merchant advances because they are easier to qualify for than other types of financing. However, you need to make sure that it makes financial sense for you to get a merchant cash advance. It may be relatively easy to get a MCA, but it does not come without a premium cost.

It is also important to note that a merchant cash advance is not the same thing as a loan. The payments that you make will not be reported to the credit bureaus. Therefore, you cannot use a merchant advance to build or improve your credit. The rates can vary depending on the provider that you choose.

Merchant cash advances can also have higher rates than other types of financing. It is a good idea to read all of the terms and conditions before you sign for the merchant cash advance.

Are There Alternatives to Merchant Cash Advances?

The answer to that question is yes. You may be able to get a short-term loan if you are in need of quick funds. You can also get a business line of credit. If you have a good credit history, then you should not have a problem getting a short-term loan or a business line of credit.

You can take out a short-term loan for a few months. You will have to make payments daily or weekly. This will depend on the type of loan that you take out. A short-term loan may be easier for you to handle because you will not have to pay the entire balance off at one time. Furthermore, the loan payments are reported to the credit bureaus, so you will be able to improve your credit.