San Fernarndo Valley Small Business Loans

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 San Fernarndo Valley Small Business Loans

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, a trusted Oxnard bad credit small business lender, offers small business loans to entrepreneurs. We understand many of the challenges faced by small business owners and would like to help. Unlike traditional lenders, we have more flexible lending guidelines.

Let us discuss what is involved in getting a small business loan and then explain how we can help you get the money you need to fund a new business or expand an existing one.

How to Get a Small Business Loan

A small business loan can make all the difference to your business. With enough money, you can overcome any setbacks, but with too little capital, even the smallest cash flow problem could ruin your business.

Still, it’s not always easy to get a loan when you need it, even if you happen to have an excellent business idea that fulfills an unmet marketing need.

In order to get a small business loan, you need a sound business plan and superb credit.

How to Create a Sound Business Plan

Before you can ask a lender for a small business loan, you have to craft a viable business plan. This plan will then assure the lender that you will be able to repay their loan with interest and not default on it.

Your business plan should assess a market need and describe how your business will be able to provide products or services to consumers that will satisfy these needs.

Next, you have to assess your own needs as a business. If it is a new business, then you will need money to cover your startup expenses. If you already have a business and want to scale it up, you have to be clear on how the money will be used to grow your business.

How to Prove your Creditworthiness

Assuming that the lender is impressed by your well-documented business plan, then the next question they will have is whether you will be able to effectively execute your plan and repay their loan.

If you are a new business owner, they will look at your personal credit to see how responsible you are at handling money. If you need a loan to grow your business, then they may be more interested in your business credit to see how well you have managed your business to date.

While credit is not the only factor influencing whether you get a loan, it is one of the most important ones. Your credit score will determine almost everything about the terms of your business loan. Traditional lenders, like banks and credit unions, are only looking to lend to businesses that pose a low risk of default.

If you have good credit, the lender will look at your request for a loan in a favorable light. In fact, the better your credit, the more banks you will find willing to lend you money. What’s more, the higher your credit, the less interest you will have to pay on your loan.

Does this mean that if you have made financial mistakes in the past, either in your personal or in your business affairs, that you are not able to get a business loan? Fortunately, no. If you have bad credit, we can still help your business launch, survive, or grow.

Our Unique Approach

At Delancey Street, we offer a variety of funding options for all types of businesses. Depending on your circumstances and needs, we may be able to help you out with a small business loan, a merchant cash advance, or a business line of credit, as well as a few other options.

After we understand your unique business needs, we can offer a loan based on your business cash flow structure. Once approved, you will get the money quickly, in as little as two business days.

Even if you have bad credit, we will work with you to find a financial solution to fit your business objectives. So, whether you are launching a new business, covering payroll after a rough month, or expanding your business, we invite you to apply today.