Virginia Merchant Cash Advance

Small business owners can use loans to grow their business. You can use the funds however you wish.


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Pay for any unexpected expenses that arise using our business loans.


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Use the business loan to grow your business however you wish.



Keep the cash on hand for future expenses.



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Buy new equipment to grow your business.



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Loans up to

$ 10 Million

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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.

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Our team consists of extremely qualified industry experts

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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.

  • 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

A merchant cash advance is where a merchant gets a cash advance from a financing company, and the company gets it back by taking a percentage of the merchant’s daily credit and debit card transactions along with a fee. Technically, it is not a loan, and a merchant cash advance can be a good way for a business to get operational money fast without having to have great credit or put up collateral

A merchant cash advance through a financial company is generally for anywhere between $2,500 and $250,000, and it is repaid on a daily basis through a special account that is set up. Funding can be approved in as few as two days.
Benefits of merchant cash advances include quick access to money and a simple approval process; pretty much any type of business can qualify, and bad credit isn’t a deal breaker. On the potentially negative side, merchant cash advances generally have a higher fee than traditional loans, and the daily payments decrease cash flow.

Application Process
When evaluating a business that has applied for a merchant cash advance, the financial company will look at the credit card transaction records of the business because that is where the money to pay back the advance is going to come from. Some financial companies will look at the applicant’s credit bank rating and credit score, but these factors are less important.
Applications are usually completed online, and this is one reason why they are processed so quickly. Applicants generally need to provide their credit card processing statements, tax returns and identification documents such as drivers licenses and other identification documents.

Amount of time for repayment
It generally takes eight to nine months for a business to pay back a merchant cash advance. However, this depends, and sometimes it can take as few as four and as many as 18 months for a merchant to complete the payments through their credit card transactions. While traditional loans are generally paid back at a certain interest rate, a merchant cash advance is paid back at a factor rate. Merchant cash advances generally go to riskier types of applicants, and that is another reason why they are expensive.

A business debt schedule allows the business applying for a merchant cash advance to keep track of repayments. Often, a financial company will request that one be prepared before approving an advance. A business debt schedule template is a convenient digital way to manage the process.

When is a merchant cash advance a good idea?
While many business owners are attracted to merchant cash loans by their convenience and the speed of the approval process, they are taken aback by how much the payments eat into their daily cash intake. Having said that, because payments are tied into how much money the business takes in through credit card transactions, less money is repaid during slow periods for the business, and this is unlike regular traditional loans where set amounts are due on a schedule in order to avoid late fees.
Another enormous attraction of a merchant cash advance is that the business getting one does not have to put up collateral. Furthermore, it’s almost always easier for a given business to be approved for a merchant cash advance than a traditional loan. Of course, convenience comes at a price, and a merchant cash advance is almost always more expensive than a traditional loan.

In short, a merchant cash advance can be the right solution if the business getting one makes good money consistently through credit card transactions. Because of their expense, it’s always a good idea to explore other options before applying for a merchant cash advance.

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