Utah Merchant Cash Advance

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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)

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All it takes is one application, and we handle the rest for you.


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Many of our team members are former business owners, and understand your challenges.


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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.


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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.

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  • 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

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  • No obligation and no effect on your credit score
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Utah Merchant Cash Advance

Understanding the Basics of a Merchant Cash Advance
If you own a business that accepts credit and debit cards, there’s a financing option that you may have overlooked. That option is a merchant cash advance. Rather than obtaining a loan, this approach allows you to receive funds now and repay the advance using your revenue stream. Here are some of the essentials that you need to know about this type of advance, including how you can use those funds.
How Does the Advance Work?
Unlike business loans that require you to repay a fixed amount each month, a merchant advance involves allocating a percentage of your daily gross credit and debit card receipts to pay off the advance balance. The percentage remains constant, but the amount you pay toward settling the advance changes based on how much revenue you collected that day.
Services use one of two methods to collect that percentage. Some will retain the agreed upon percentage of daily receipts before depositing the remainder in your business bank account. Others will deposit all the receipts then initiate a draft to recover the percentage due. The latter ensures that you have a record in your bank statement identifying each payment made to the service.
Who Can Qualify?
Business owners with little to no collateral can qualify for this type of funding. Since the advance is based on your history with the merchant service, there is no need for it.
If your business or personal credit score is not the best, you are still a candidate for an advance. That’s great for business owners who have credit scores that would prevent them from securing business loans or lines of credit from banks and similar institutions.
You don’t necessarily need to be in business for a long time to qualify. What you do need is an established track record of generating revenue on a daily basis. For example, some merchant services will consider clients for advances if they have been in business for as little as two years and generate card transactions consistently during that time.
Is the Application Process Difficult?
Many business owners find the application process to be simpler than applying for business loans. You will still need documentation like information on revenue generation and collection, proof of identity, and proof that the business is an actual legal entity. You may need to supply copies of your most recent bank statements and the service may or may not secure copies of your credit reports from one or more bureaus.
How Much Can You Receive in Advance?
The amount of card transactions you generate on a regular basis along with your credit score will determine the maximum amount you can receive in advance. The goal is to ensure that the balance plus fees can be repaid within a reasonable amount of time. As your business volume increases, you’ll qualify for larger advances in the future.
Remember that the advances usually have to be repaid in full within two calendar years. It’s not unusual for merchants to request advances and agree to repaying the balance in as little as three months. The team at your service will work with you to determine the amount you can receive, the percentage that will be collected daily, and how long you will have to retire the debt.
What are Some of the Advantages of This Approach to Business Funding?
Speed is a definite benefit to merchant cash advances. The money could be in your bank account in two business days or less. Lower credit scores do not necessarily disqualify you. The application process is less complicated than many other financing options, and you are not locked into making the same fixed payment each month. Since the advance is paid off by allocating a percentage of the day’s receipts, you pay more on days when you do a lot of business volume and less on days when sales are down.
Are There Potential Drawbacks to Consider?
The fees associated with merchant cash advances are somewhat higher when compared to the costs of a standard business loan. The method of repayment also means less cash-flow is left to take care of day to day operating expenses.
Is a Merchant Cash Advance Right For You?
Only you can decide if this funding option is right for you. Talk with your card processor and get an idea of how much you can receive and the terms that come with the agreement. If you find that receiving a lump sum right now will help you take advantage of a lucrative opportunity or you need to pay off existing debt at once, this could be your best approach.

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