Virginia 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

Virginia Merchant Cash Advance

Virginia Merchant Cash Advances

Are you struggling to keep the lights on? Did a drop in sales make it harder to pay your employees? If funding your business is a challenge, you are not alone. While running a company is not easy, there are some options available for businesses that are short on cash. Through funding options like a merchant cash advance (MCA), you can get the money your business needs on the timeline you want.
A Quick Fix for a Funding Dilemma
A merchant cash advance is not a business loan. Instead, it is a pre-payment of money you will earn in the future. The MCA provider reviews two to six months of your company’s credit card transactions. They take the average sales each month and give you 50 to 250 percent of that amount.
Then, the funds are deposited in your account in as little as 24 to 48 hours. As soon as you get the money, you automatically start repaying it with your new sales. A holdback rate of 5 to 20 percent is taken out of your credit card transactions each time someone buys your products.
The total amount you spend on the MCA is determined by your factor rate. This rate is generally between 1.14 to 2. If you get an MCA worth $100,000 that has a factor rate of 1.14, you end up paying $114,000 back. For entrepreneurs stuck in a cash crunch, this style of funding is a viable option.
The Advantages of an MCA
From no collateral to fast applications, there are many reasons why people turn to an MCA. With this type of program, you get money right away instead of having to wait for a bank’s slow approval process to finish. You do not have to use collateral. Entrepreneurs can get an MCA with bad credit because an MCA is determined according to your sales.
– Funds are available in 24 to 48 hours
– Fast approval process
– Online, streamlined application
– Bad credit is not a problem
– Flexible repayment methods
– Large advances
When Should I Be Cautious?
Before you apply, make sure you know the benefits and drawbacks of an MCA. You can get the funds you need, but there is a price to pay. Every kind of funding charges an interest rate, factor rate or some other type of fee. An MCA is just the same. You pay a factor rate, so make sure you know how much the advance will cost before you apply.
This variety of funding is generally not the best if your business does not have credit card sales. It works well for ecommerce sites, dining venues and retail stores because these kinds of companies have constant credit card transactions. If your business rarely processes credit card transactions, an MCA might not be the right choice.
What Are the Drawbacks?
Every funding source has some advantages and disadvantages. While an MCA gives you cash quickly, it can be expensive. If you have a high factor rate, you can end up spending a lot to get fast cash. In addition, you may end up paying on the advance longer than you expected. If your sales are too low, the amount you pay each month is less than expected. As a result, it may take you a bit longer to pay back the MCA.
The Bottom Line
Every type of credit card, loan or advance carries risk. If you research a merchant credit advance beforehand, you can reduce your risk and find out potential drawbacks early. Once you apply for an MCA, you can instantly get the money you need to keep your business going.

Do you need a small business loan?

Apply now