Port St. Lucie

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.

Payroll

Use the loan to pay your employees.

Liquid

Keep the cash on hand for future expenses.

Equipment

Buy new equipment to grow your business.

Staff

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 Port St. Lucie

We're committed to building relationships and helping people all over the USA get access to the RIGHT loan for them. Regardless

Trusted

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

Service is key. You can ask for advice on ANYTHING and we'll bend over to help.

Experts

Many of our team members are former business owners, and understand your challenges.

Customized

We customize each loan for you, and to your unique specs. Everything is customized.

Universal

We help virtually any industry, any business, anywhere in the USA. It doesn't matter.

Nationwide

We fund business loans nationwide. It doesn't matter where you are, we can help you.

Honesty

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

Delancey Street is an excellent resource for small business owners in Port St. Lucie looking for a small business loan.

Some of the steps that a small business will have to take to acquire a business loan from a traditional lender like a bank or credit union include targeting a loan request to a lender, developing a marketing plan, and presenting financial statements.

Let us go over these steps, then explain how we are different.

Making a Loan Request to a Lender

Unfortunately, the days when a business person could get a loan based on their reputation for honesty and resourcefulness in their local community are no longer applicable. The days when your word and a handshake were enough to seal a deal are behind us. If you need a small business loan today, you need a different approach.

The business plan you present to the lender should tell a persuasive story about why your business needs funding and how exactly you will use the money. The more specific you can be about every detail of your business operations, the more likely they are to listen to your request.

Ideally, your business plan should be based on either your past business records or revenue projections of businesses like yours that you hope to model. The more realistic your numbers, the more a bank manager will feel confident that you will be able to repay the loan.

Besides a business plan, the bank will also ask to see your financial statements.

Developing A Business Plan

The numbers and description and documentation of your business plan should be based on comprehensive market research on what consumers need.

Your idea does not have to be original. You just need to establish that your idea has worked in the past. In this regard, competition is not necessarily a bad thing, provided, of course, that demand still exceeds supply.

Once you have a good idea about the type of business you want to build, you must either learn how to write a business plan or hire someone to do it for you. It’s necessary to create a formal business plan before you see a lender to ask for a small business loan.

Presenting Professionally Prepared Financial Statements

After reviewing your business plan, the bank will also cross-check it with your financial statements. This will help them determine if they should extend credit to your business. The reason bankers put so much faith in a financial statement is that it reveals how well you manage your money.

Although you cannot change your financial statements, you can present them in a wayof reflects your understanding about money management. As part of your loan request, a bank will be interested in your income statement, request a cash flow statement, and ask to review your balance sheet.

Speak to your accountant to make sure that these three types of statements are professionally prepared and make perfect sense to a third-party without the need for added explanations or interpretation.

Once your loan is approved, don’t be in a hurry to sign it. First, see if it is a fair loan, one with a reasonable rate of interest and a repayment schedule that you will easily be able to meet.

Our Approach

We’re familiar with many of the hurdles that small businesses face when it comes to getting the funding their need to start, manage, improve, or scale their business. We offer an easy application process and a flexible repayment plan.

We are open to working with you on the type of business loan you need, whether it is a small business loan or a business line of credit.

It’s also important to note that we don’t think bad credit is a necessary criterion to disqualify someone.

Apply today, and you could receive the money in as little as two business days after approval.