Smoke Shop Merchant Cash Advance Company

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 using our business loans.


Invest in your business

Use the business loan to grow your business however you wish.



Keep the cash on hand for future expenses.



Use the business loan to pay your employees.



Buy new equipment to grow your business.



Use the business loan to hire new employees.

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Loans up to

$ 10 Million

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5 Stars


Hear from people we've helped

Delancey Street makes lending easy. They took a chance on me when no one else would.

Leo kovacz

Founding Partner (Zooomr Car Leasing)
Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would and helped my...

Steven Goldman

Founding Partner (Goldman & Associates
Chicago Lawyer)

Delancey Street Can Help
with 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 of your credit, or the riskiness of your industry.


We're frequently interviewed by major media organizations.

Easy Application

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.

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

We’re here to answer your
questions. Contact us anytime:

Minimum Qualifications Requirements

Delancey Street’s team consists of former business owners, and entrepreneurs. We understand your business has unique needs, and not every project is going to be easy and be ideal. These are general guidelines which should be interpreted as a suggestion, rather than mandatory.

At the end of the day, we look at you – just as much as the quality of the deal and the qualifications.

  • Risk Free. No Application Fees.
  • Decisions Within 48 Hours.

Business Loan Guidelines

Speed We close within 24-48 hours
Paperwork Not much
Qualification 3 months in business minimum. Credit isn't a huge issue.
Maximum Loan Amount $5 Million
Loan Terms 6-24 Months

It’s Simple

  • 1 Tell us your financial request
  • 2 We consult & provide terms
  • 3 We finalize the transaction

Get funding today

  • Apply today and we'll tell you what you qualify for
  • No obligation and no effect on your credit score
Get pre-qualified today

Smoke Shop Merchant Cash Advance Company

Are you a small or medium-sized smoke shop with plenty of business but not enough cash flow to get your company moving? Have you looked for business funding but failed to find it from the traditional banking system?
If you answered ‘yes’ to either of the questions above, a merchant cash advance could be the solution to your problems.
Never heard of a merchant cash advance before? Let us explain.
A merchant cash advance is a non-bank issued financial product that isn’t a loan. Instead, this type of financial service ‘advances’ cash to qualified companies based on their daily credit card receipts. Good credit and asset-backed collateral are unneeded to qualify for an advance.
More About Merchant Cash Advances For Smoke Shops
What do I need to qualify for a smoke shop merchant cash advance?
The most critical factors when qualifying for a merchant cash advance an operating history and proven financial records that show the volume and amounts of all credit card transactions. As long as your company does regular credit card business, the chances are good that you will qualify. This service offers business owners with lower credit scores or no collateral an option to get access to emergency or operating funds to stabilize the cash flow of the company during growth periods.
How much can I get from a Merchant Cash Advance?
Merchant cash advances are available from $1,000 to over $1M. The exact amount you can qualify for is determined using financial records for credit card transactions your company processes. Businesses with higher volume and number of credit card sales will likely be eligible for more substantial advance amounts. However, merchant cash advance services work with companies of all sizes, as long as the business has an operating history and takes credit card payments regularly.
Do I have to visit a bank?
No. A merchant cash advance isn’t a loan, so you don’t need to go to a bank to start the application process. All steps of the application process – including uploading required documents – get done securely online at a convenient time and place. After the papers get reviewed, applicants will get alerted about whether or not the merchant cash advance provider can help them with the funds they seek.
Merchant cash advances are not traditional loans, so they don’t use APR. Instead, merchant cash advances use a method called ‘factoring’ to calculate interest charges. Generally, the factor for merchant cash advances is between 1.1 – 1.5. This fee gets paid to the merchant cash advance provider.
How long do I have to wait for a decision on my application?
Merchant cash advance providers understand that their clients have urgent needs. For that reason, they are very quick to respond to applicants queries. In many cases, they provide an answer within a day or two. If approved, and all paperwork is signed and agreed to, funds are wired to the business bank account even faster. Once the funds get deposited, they’re available for business owners to use however they are needed.
How do my payments work?
Unlike traditionally fixed loans that give business owners a short grace period before the first payment is due, repayment on a merchant cash advance begins as soon as the money gets made available to the borrower. A merchant cash advance uses a ‘holdback’ to repay the loan daily.
Typically, the holdback amount is 15% of the companies daily credit card receipts. This holdback amount never changes. If your company processes $1,000 in daily credit card sales, $150.00 gets deducted to pay back the merchant cash advance. If you handle $500 in credit card transactions, $75 gets deducted. If you do $5,000 in credit card transactions, $750 is the holdback. The 15% holdback amount gets automatically deducted from the business bank account until the loan gets paid in full.
Is a merchant cash advance a good option for my business?
Merchant cash advances are helpful for many business owners. As with all financial products and services, it’s always a smart idea to conduct your own research and read the fine print of the cash advance agreement before making your decision.

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