Snap 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 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.

We Fund Fast


Loans up to

$ 10 Million

Google Rating

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

Snap Advance

Merchant cash advances aren’t loans. That’s an important distinction which we’ll cover later.

Suffice it to say, this has become a popular way to get financing for businesses. It’s particularly popular among retail businesses because repayment is most often done through credit or debit card transactions.

Why Would A Business Need It?
A business might need quick cash for a variety of reasons. Maybe sales has been down and you need to make payroll.

It could also be that your supplier is no longer offering you good payment terms or offering credit and now you need cash to buy inventory so you have something to sell.

Another situation that happens a lot is that a business will stumble upon a great investment opportunity. Maybe its a great deal on a piece of real estate. Maybe its an event that will give you a surge of traffic and need extra inventory to meet the unexpected demand.

There are also emergencies that could threaten the life of your business. Let’s say you own a coffee shop and your espresso machine breaks and it’s so bad you can’t get it fix and have to buy a new one.

Let’s say you’re a restaurant and you got flooded in the last hurricane. You have insurance money coming in, but not fast enough to pay for repairs, replacements and your restaurant having had to close for a week. While you wait for the insurance claim to come through, you may go bankrupt.

That’s a stark reality for most small businesses. Many are just an emergency away from losing their business and merchant cash advances can be there to fill the gap.

What Is It?
It is actually an advanced payment for a business’s future sales. The financing company that’s giving the merchant cash advance gives a business a lump sum pile of cash now. That payment will be repaid overtime, automatically with a portion of the business’s daily credit and debit card transactions.

The portion the business pays over time is called a retrieval rate. It is usually 10-20% of the sales receipts and is determined by how much cash advance the business gets.

The terms also vary between 3 months to as long as a year and a half. The financing company usually starts getting repaid right away with the credit card transactions.

How large the cash advance the business gets is determined by credit card sales. During the application process, the financing company will review the average credit card sales to figure out how much cash to give them. It can be up to 200% of a business’s credit card sales receipts.

Quick Cash
The thing that businesses seem to like about merchant cash advances is that they are very quick to get. If a business is in a bind, they can get the cash relatively quickly.

The application process is really straightforward and doesn’t require a ton of documentation. In most cases, you can even do the entire thing online.

That’s unlike applying for a bank loan. As anyone who has gone through this arduous process knows, it can be a huge headache. It costs a lot in terms of time and money.

Once the application is approved, you get the cash in a matter of days.

If you’re a business owner and can’t make payroll next week, having this access to quick cash could be a lifesaver for the business. It can even provide the liquidity you need during an emergency. Many businesses are a payroll or emergency away from bankruptcy and a merchant cash advance can be there to save the day.

Credit Score
Another great thing about this is that it doesn’t require impeccable credit scores like you would for a bank loan, credit card or line of credit. Since the financing company is connecting automatically with your credit card machine to get paid back and they know what your average sales are, they don’t take on as much risk as a bank that requires you to physically write them a check or for you to have to go online, log in and make that painful loan payment each month.

Not Asset Based Lending
Merchant cash advances don’t require collateral. That means you are not putting your house or business at risk by entering into these types of financing deals.

Cost of Capital
One of the biggest drawbacks of a merchant cash advance is the high cost borrowing. The interest could be as high as 40-50%. That can be a huge drawback.

The good news here is that as this form of financing becomes more and more common, you are seeing more competitors enter this industry. The competitive landscape and the increasing numbers of institutions offering this is driving down rates and fees.

Do you need a small business loan?

Apply now