Unique Funding Solutions Business Loans and Merchant Cash 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

Unique Funding Solutions Business Loans and Merchant Cash Advance

Business owners are bound to face situations where they’ll need an immediate funding solution. Cash is very important for a business because it is needed for maintaining inventory, paying suppliers and business growth.

Merchant cash advances are one of the alternative choices to consider when you’re in dire need of funds for your business. A merchant cash advance can be used by businesses for getting out of a tight situation.

In merchant cash advance financing, you can receive a lump sum of working capital from a cash advance company in exchange for a certain amount of your business’ future credit card sales. It allows you to finance future sales and get funded quickly.

There are plenty of benefits to utilizing a merchant cash advance as your financing option:

. Fast Applications and Collections
. No Need for Credit or Collateral
. Fast Cash Access
. High Approval Rate
. Collections Based on Revenue

Who Should Consider a Merchant Cash Advance?

Merchant cash advances are typically used by businesses that need fast access to cash and have a steady credit card and debit card transactions. Retailers and restaurants are some of the types of businesses that would be appropriate candidates.

Merchant cash advances may also perfectly suit newer businesses that have sufficient credit card transactions but haven’t been operating long enough to establish a solid credit history.

Like business loans, funding from cash advance providers can be used for a variety of business expenses, including advertising and marketing, purchasing inventory, purchasing equipment, renovating or expanding, and more.

Quick And Easy Application Process

Applying for a merchant cash advance is quick and easy. The online application process makes it quick and easy to apply for a merchant cash advance and get a response.

A traditional loan can take several weeks or even months until being processed, but the merchant cash advance funding is usually quick. This is an important benefit when immediate access to funding is needed.

Unlike a traditional loan, there are no complicated application processes or time-consuming credit checks involved.

You simply go online and provide the required information. It shouldn’t take long to complete and provide specific documentation pertaining to your business. Most merchant cash advance providers respond within a few days.

Documents you need:

. Bank Statements
. Driver’s License
. Credit Score
. Voided Business Check
. Credit Card Processing Statements
. Business Tax Returns

As mentioned above, cash advance lenders can make a decision within hours and give you access to the funds within a matter of days. That’s certainly an advantage if you need money in a hurry to cover payroll or an unforeseen business expense.

How It Works

An agreement is made between the business owner and the merchant cash advance lender regarding the term of the advance, advance amount, payback amount and holdback. After an agreement has been reached, the fund is transferred to the business owner’s bank account in exchange for a future portion or percentage of credit card receipts.

Most merchant cash advance providers do not consider their transactions to be a business loan, but rather an advance based on your future sales. To determine how much cash to provide, funding companies review your information and documents, including banks statements, credit card sales, and commercial sales. With these reports, they have an idea of your future sales potential.

Paying back the funds

Repayment is made easy via auto debit through the merchant account. Once the funds are provided to you, a percentage of your daily credit card sales will be automatically deducted from your credit card processor or bank account. You only pay when you make sales, and each day, you simply pay back a percentage of the amount you make.

A big problem with traditional bank loans is that when you don’t make sales, you will have problems paying back the loan. With the merchant cash advance, you do not have this problem since you make payment only when you make money. Payments can fluctuate along with your credit card sales volume, which means you won’t be stuck with a payment amount you cannot handle. Usually, the payback period for a merchant cash advance ranges from 3 months to 15 months.

Summing Up

You should be aware that a merchant cash advance is more expensive than a traditional small business loan, but it is a quick, easy way to get access to working capital even with poor credit or no collateral. If you don’t want to waste valuable time going through the complicated process and hassles of applying for a traditional loan, a merchant cash advance is an option to explore.

But before you finalize the transaction, it is very important that you carefully go over the cash advance contract. It is crucial that you understand the details regarding the payback amount and term and conditions of the cash advance.

Do you need a small business loan?

Apply now