Delancey Street Helps Business Owners Grow

We provide funding fast, with a completely online application.

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Use our online form and apply online. It's risk free - and cost free. We charge no application fees ever, and it's a simple process.

We Approve YOU

Get approved in less than 24 hours. We look at your business, and underwrite your file within 2-4 hours.

Get Funded

Once we make an offer, we send you an agreement, and fund you in 24 hours.

How We Help

Small business loans are a great way to grow your business. We fund business owners when traditional banks say no. Getting a loan from a traditional bank is difficult, we look past your credit score and fund you.

Get a $500-$100,000 small business loan

Get working capital in as little as 24 hours once approved

No risk - There is no application fee, and we don't charge junk fees that other lenders do.

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Get a Decision in as Little As 30 Seconds

We’re Fast. We Help Regardless of Credit. WE HAVE A SOLUTION FOR YOU.

Apply Online

We have a completely online application process, which is simple and easy.

Get Offers

We'll match you with the best loan offers we have that are financially responsible.

Get Funded Quickly

We'll fund you the same day you accept our offer.

Sacramento Small Business Loans

If you sit back and let opportunities pass you by, you’ll never make it in business. There are opportunities out there every day to seize for your company. At this point, you may be protesting that there’s no capital there for you to do what you want to do. Anyone who has ever run a business can understand that predicament.
But that doesn’t mean your stuck. Where there’s a will there’s a way. You can do what you want to do if you use the resources that are out there. We are a lender working with Sacramento businesses, and we want to enable your company to achieve its true potential.

Benefiting as you should

As a lender, we get a lot of our business clients because we offer them things other financial companies aren’t offering. You can’t get a great loan product like those which we offer from just anybody.
Before you get started exploring our offerings and the act of getting financing as a company, we want you to know that we are proud of offering these benefits uniquely to companies looking for capital loans:

  • We don’t expect a high credit rating from companies or individuals.
  • We will work with you to create a feasible repayment schedule.
  • We get funds to our approved clients as quickly as is possible to do.
  • We don’t stipulate how loan money has to be spent.

Actually having the plan that works

If you’ve been in business long enough, you know that a lot of research on preparation goes into succeeding at commercial tasks. We encourage any business that’s looking for financing to think things through very carefully and not borrow when they haven’t done what’s necessary to prepare.
Preparing is all about crunching the numbers and creating things like financial projections that are going to predict how things will unfold. While it’s true that you can’t predict the future, you can prepare for it.

Raising credit: A how-to guide

It’s fairly obligatory to raise credit before applying for a capital loan for a company. These are the basic steps to raising credit:

  • Evaluating credit- You want to know where you’re starting to figure out where to go. Learn what your credit rating is and what issues need to be improved upon.
  • Setting up a schedule to manage payments on time- You cannot miss a payment at all if you are planning to make improvements. So, you should set up a schedule that will provide you with automatic reminders when a payment is due.
  • Paying off debts entirely where possible- The more debts you pay off, the more your company and personal credit scores will increase.
  • Shopping around for the best possible loan terms-

It’s all in the presentation

Your credit alone is not all that recommends you as an approved applicant. You can present a persuasive speech and information that will show your proposed venture is going to make money. Lenders will want in on it if it looks good and you come across as a good business owner and reliable borrower.

The documents you’re going to need here

Companies should be run in a way that is organized and shows professionalism. This means that carefully kept books are important. Lenders want to see that you’re keeping balance sheets and similar documents so that they know your budget and your company are well managed.

You don’t want to overlook anything at all

Pay attention to all the details. You don’t want to overlook something that is going to come back to haunt you. It’s always possible to miss out on an important detail so that you have to pay for it as part of your loan. A loan needs to be able to be afforded and fair.

As a small business owner in Sacramento, obtaining the capital to keep your business growing can sometimes be quite a challenge. This is why Delancey Street proudly provides loans to various types of businesses all over the Sacramento area. We can help you obtain merchant cash advances, small business loans and lines of credit. You can obtain up to $2 million in financing by using our services.
Benefits of Working With Us

  • We provide one of the fastest approval processes in the nation.
  • You can obtain your funding in as little as two business days.
  • We accept applicants with bad credit.
  • We work with businesses having a wide range of cash flow structures to offer flexible repayment plans.

When you obtain a Sacramento small business loan, you can use it in the way that benefits your business best. Small business owners in Sacramento can use their loan to pay business bills, pay off old business loans, expand their operations and more.

Quick Sacramento Business Loans
A small business loan provides access to capital that makes it easier to undertake expansion and various other projects. If you’ve never applied for any type of business financing before, there’s a chance you’ll find the process a bit complicated. However, if you prepare your business loan application beforehand, you can ensure that everything will go smoothly and increase your chances of success.

Before You Begin Your Application
Before you apply for a small business loan, you should think whether it’s the best type of financing solution for your needs. You should also consider the amount of financing you need and what you’ll use it for. Think of what your business objectives are and how getting a loan will help you get closer to them.

Checking Your Credit
Lenders will use both your personal and business credit files to determine whether you qualify for a small business loan and set the terms of your loan, such as the maximum amount that you can borrow and the interest rate.

If you have good credit, you’ll likely receive attractive offers from several banks. However, if you have bad personal or business credit, it’s still possible to get a small business loan in Sacramento. Before you apply for any type of business financing, you should obtain a copy of your credit reports from the three main bureaus.

How to Improve Your Credit
Once you get your credit reports, you should carefully review them to ensure that they don’t contain any errors. If you spot any inaccuracies, you should immediately contact the credit bureaus to get them rectified.
Improving your credit is something that takes time and patience. You can get started right away by paying off any past due accounts and making regular on time payments on all of your credit accounts. It’s also a good idea to use less than 30 percent of your available credit limits, as this will help improve your creditworthiness.

Preparing to Explain Your Loan Request
When you apply for a small business loan in Sacramento, simply telling them lender that you need capital isn’t enough. You should be prepared to explain what you’re going to do with the loan and how it will benefit your business. For example, if you’re going to use your loan to purchase equipment, you need to be able to show how this equipment will help your business grow and generate more revenue.

Putting Together Your Documentation
Making a small business loan application typically involves submitting a variety of documents related to your business finances. Typically, you’ll have to include a balance sheet, income statement and cash flow statement. Make sure you have these documents available and ready to submit before you start your application.

Understand Your Small Business Loan Terms
If you’ve been approved for a loan, the lender will give you a loan agreement that shows the conditions that you have to follow. You should carefully review any documents that you receive so that you understand the full cost of borrowing money for your business. If there’s something that isn’t clear, don’t hesitate to contact the bank for an explanation

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
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In The Media

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
Delancey Street CEO discusses management on AMEX.

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