Here's Who We Are

We're a Direct Lender

We’re a direct lender who funds small business owners nationwide, regardless of industry, credit, or time in business. We fund it all. GUARANTEED.

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We Provide Multiple Options

We have a lot of different financing options available to our clients. Regardless of your situation, we’ll have a solution for you.

Fast Approval

Our application process is completely online. You can get funds in your bank account in literally 24 hours.

The Working Capital You Need In 24 Hours.

We get you funding. It's that simple. Regardless of credit, income, or time in business - we'll fund you.


Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.


Receive application approval in as little as 24 hours. There is no credit check required.

Receive Funds

Review and return your signed agreement and get your money in as little as 24 hours.

Recent Funded Business

100K Term Loan

Ambulance Service

Our client bought a new ambulance.
2019 - June
55K Advance

Truck Funded

Our client used the funds to hire new team members.
2019 - February
85K Term Loan

Restaurant Funded

Our client used the funds for restaurant equipment.
2019 - May

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.

How Delancey Street Works

Fill Out Our Application

Answer basic questions about yourself and fill out our entirely online application. Each loan has its own online process.

Meet Your Concierge

We'll pair you with an experienced Delancey Street specialist who will reach out to you, and understand your needs. We'll try to determine which financial product is right for you.

Compare Our Loan Offers

We give you a few different loan offers based on your scenario and what options you qualify for.

Choose Your Loan

Once you've chosen a loan that works for you, we finalize it and start getting the documents needed.

Get Funded

Once we get all of the documents back, we'll get you funded ASAP.

We Help You Grow

After you get funded, your Delancey Street concierge specialist will keep in touch to make sure you're happy and doing well.

Business Loans

Get business loans ranging from 3 months to 18 months
No credit score requirement, we have a program for everyone
We can fund up to $5 million in virtually 24 hours


What’s A Texas Merchant Cash Advance?
Merchant cash advances (or MCAs) is an alternative financing option that technically is not a traditional loan.
In an MCA transaction, an MCA company provides a business a cash advance in exchange for a set percentage of that business’s daily sales (plus fees).
A Texas merchant cash advance is a easy way for businesses in Texas to get the cash they need to finance their business-without the credit score minimums and collateral requirements of a traditional business loan.
Advantages of Texas Merchant Cash Advance
Merchant cash advances offer many advantages over traditional business loans:

  • Fast, Simple Approval Process
  • Instant Access To Funds
  • Great Credit Not Required
  • Works With Most Types of Businesses

Does Your Business Qualify for a Texas Merchant Cash Advance?
Would your business be eligible for a merchant cash advance?
The key advantage to a merchant cash advance is the wide availability of this financing option.
Even with bad credit, minimum collateral, and have only been in business for a few years, you may qualify for a merchant cash advance.
Merchant cash advances are a great vehicle for short-term financing, especially if you operate a retail business such as a store or a restaurant. For such businesses with limited working capital, merchant cash advances can be a real lifesaver!
Typical Candidate for a Texas Merchant Cash Advance
A typical candidate that qualifies for a Texas merchant cash advance has ~$200k in annual revenue, a credit rating of at least 550, and has been in business for at least 2 years.
What You Need to Apply for a Texas Merchant Cash Advance
Compared to a traditional business loan, what you need to get approved for a Texas merchant cash advance is much simpler and more accessible.
The key requirement is level of daily credit card and debit card sales. MCAs are backed by these daily transactions, so in order to be approved you need to have sufficient volume to make a deal worthwhile for a merchant cash advance financing company.
MCAs may also require you provide credit and bank statement information as well.
Unlike a traditional loan, merchant cash advances can be applied for online, with a fast approval timeline (typically one business day).
The trade-off to this fast and easy process is the cost of such financing. Compared to a business loan, a merchant cash advance will always be a more expensive financing option.
What is the Cost of My Texas Merchant Cash Advance?
The cost of merchant cash advance financing is calculated using a factor rate.
For example, let’s say your business is approved for a $25,000 advance that has a factor rate of 1.2.
This means that you will owe the merchant cash advance financing company $30,000 to repay the loan.
You will typically negotiate with the merchant cash advance company what percentage of your daily sales will be used to repay the advance; a typical percentage is 15%. If your credit card/debit card sales were $25,000 a month, this would mean it would take 8 months ($30,000/10=$3,750) to repay the merchant cash advance.
8-9 months is the typical length of time it takes for a business to repay a merchant cash advance.
A Texas Merchant Cash Advance May Be Worth It
While this alternative financing option is almost always more expensive than a traditional bank loan, it is a much simpler way for a small business with a limited or bad credit history and minimum collateral to finance its operations.
The cost may be worth it if it can help take your business to the next level. For a business just starting out and looking to grow into a sustainable, profitable enterprise, a Texas merchant cash advance may just be the right financing option.

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"
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
$250,000 Hard money Loan

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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Delancey Street understands funding like no one else!
Steven Norris
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If you have questions, feel free to shoot us an email, or fill out our live chat.

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