NYC 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 NYC 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

NYC Merchant Cash Advances

Delancey Street is a premier, and top rated, merchant cash advance lender. We provide cash advances to companies all over the USA – regardless of the industry, or niche. We are your partner, not just a lender. We can help you get the funding you need when you’re in distress, and in need of fast funding to make deadlines and payroll. When you get a merchant cash advance, it is not the same thing as a loan. It is essentially a cash advance based on the credit card sales that you get in your business merchant account. Once you apply for the loan, we deposit the funds in your business checking account within 24 hours.

How Merchant Cash Advances Work

The cash advance is for $2,500 to $25,000. Each NYC merchant cash advance has a repayment schedule with daily payments from your account. As soon as you request a loan, it takes just 24 to 48 hours for it to be approved and in your account.

This type of loan works well for people who have bad credit or need fast access to funds. The entire approval process is quick and works for many kinds of businesses. The only drawbacks are the higher fees and the fact that the loan has to be paid back through your daily sales.

With a merchant cash advance, you get the money you need when you need it. The funds can be used for anything that your company needs. Some businesses use this type of cash advance to make up revenue during a slow month. Other businesses just need to cover a bill that is past due.

This is a cash advance and not a loan. When you get a cash advance, you promise to pay it back using your company’s future income. The loan is given in a lump sum that is paid back from the money you make each day. The amount that you pay back is known as the retrieval rate or holdback. Depending on the amount of the advance, your repayment period and your credit card sales, the holdback can be between 5 to 20 percent.

The amount that you can borrow depends on your credit card sales. Most providers will review your sales for the last two to six months to see how much you can borrow. Depending on the provider, you can get anywhere from 50 to 250 percent of your monthly credit card transactions as an advance. Then, you have 90 days to 24 months to pay it back.

The Benefits of Getting an NYC Merchant Cash Advance

This option is ideal if you need cash right away. You can get approved much faster with an advance than you can with a traditional loan. Often, you can get approved within just a few hours. Then, you get the advance within just one or two days. If you are struggling to cover your payroll or a sudden expense, having a speedy option is a benefit.

Another benefit is that you can avoid using collateral to get an advance. Banks normally require collateral for a business loan, which takes time. It is also a huge risk for your business if you cannot pay back the loan. With a NYC merchant cash advance, you get the money you need without having to offer your assets as collateral.

Best of all, the application process is easy and straightforward. You can do the entire application online. You just have to upload a few of your documents and fill in the blanks. Unlike a typical bank, most merchant cash advance lenders are fairly open to poor or bad credit. Their main goal is to find borrowers who have a strong track record of credit card sales. They will also look at how long you have been in business.

NYC Merchant cash advances also have high limits and flexible payments. You pay a percentage of your credit card sales as your company sells products. If you sell less, then the amount that is taken out is correspondingly less. You only pay out a percentage of your credit card sales. Plus, some lenders will give up to $2 million in a merchant cash advance.

This option works well for companies who need cash quickly. You need to have an established track record of credit card transactions. The only drawback is the cost. If you need cash fast and want a convenient option, then a merchant cash advance might be worth the added price.

User Rating
5 based on 4 votes
Service Type
Merchant Cash Advances
Provider Name
Delancey Street,NYC,NY-
Delancey Street is a premier, and top rated NYC Merchant Cash Advance company.