New Jersey Merchant Cash Advance

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 with New Jersey Merchant Cash Advance

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

Are you a business owner who needs a cash loan to fund a new opportunity or pay existing expenses? A merchant cash advance (MCA) could be just the lending solution that meets your needs.

Each year, thousands of business owners in New Jersey turn to MCA for extra cash. Although merchant cash advances aren’t typical loans, they allow you to get funding based on your credit and debit card receipts.

About Merchant Cash Advances
If you own a business, chances are a great deal of your income comes from credit and debit card sales. Merchant cash advances give you the power to get a quick cash advance based on your future credit and debit card receipts.

There are plenty of advantages of getting approved for a merchant cash advance. An MCA provides you with a rapid and hassle-free approval process. Many MCA providers won’t hold your credit history against you. When you get your merchant cash advance, you can use it to pay for a variety of expenses that are related to your business.

How to Qualify for a Merchant Cash Advance
To get approved for an MCA, you must be able to show that a large part of your revenue comes from credit card payments. Whether you’re a hair salon or a restaurant owner, an MCA can be a good way to obtain short-term financing.

In addition to your company’s credit and debit card sales, your MCA provider will review other factors before you receive your loan decision. This includes the amount of time you’ve been in business and annual revenue.

You’ll be required to complete an MCA application and provide supporting documents. The supporting documents that you’ll need include bank statements, a voided business check, business tax returns and credit card processing statements.

How Merchant Cash Advances Work
While you already know that an MCA provides a smart way for you to obtain working capital for your business, you should understand how they work. After all, you’ll be required to repay the advance according to the terms of your agreement.

After you’ve been approved for an MCA, you will be required to begin the repayment process quickly. By signing your MCA contract, you agree to provide your MCA provider with access to your credit card process or bank account.

Depending on your agreement, your merchant cash advance provider will withdraw a percentage of your daily or weekly credit card receipts. This amount will be used to repay the cash advance, fees and factor rate.

You should be aware that MCA providers don’t charge interest rates for your cash advance. The cost of your loan will be based on a factor rate that ranges from 1.14 – 1.48.

Here’s an example of how a factor rate affects an MCA. Suppose you receive a $20,000 cash advance with a 1.48 factor rate. The entire amount that you’ll be required to repay is $29,600, This amount doesn’t include any fees or additional charges for the MCA.

Are Merchant Cash Advances Worth It?
Before you sign an agreement for an MCA, you should carefully consider if this is the right short-term lending solution for you. A few things you should take into consideration are your daily income, current debt load and the reason you need the money.

If your money challenges are caused by a business downturn, it could be difficult for you to repay the money on time. However, if you know that you’ll be able to repay the money quickly because you have a steady flow of customers, an MCA might be a good option for you.

Merchant cash advances may not be suitable for every business owner. However, they can provide qualified business owners with an easy way to obtain business funding.