Washington 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

Washington Merchant Cash Advance

Understanding a Merchant Cash Advance
A merchant cash advance, or MCA, is technically not a loan. A financing company will advance you the cash you need while taking a certain percentage of your debit card sales and daily credit limit. They will also charge a fee on top of this. A merchant cash advance is a quick and easy way to secure a cash advance without putting up any type of collateral. Even businesses with lower-than-average credit scores are usually approved for an MCA.

A Quick Look at MCAs
The first question most business owners ask is how much of a loan they can get. The answer is between $2.5K and $250K. Your merchant account will pay the loan back on a daily basis. The factor fee is between 1.14 and 1.18, and you can be funded in as little as two days from applying.

The Pros of an MCA
There are a number of pros when applying for a merchant cash advance. If you have bad credit, it will not usually be a problem, as bad credit applicants are still usually approved. The approval process is quick and easy, and you will have quick access to your funds upon approval. An MCA is also perfect for many business purposes.

The Cons of an MCA
There are a couple of facts to remember about MCAs, however. An MCA comes with higher fees than what traditional loans do. You will have less flexibility when it comes to changing merchant service providers. Cash flow will be reduced as well, due to the daily deduction of your credit card receipts.

Qualifying for a Merchant Cash Advance
Do you have a limited business history? A low credit score? Little or even no collateral to put up? Then a merchant cash advance may be the right solution to your financial needs.
Most small businesses will have no issues when it comes to qualifying as MCA providers typically offer easy eligibility standards. Plus, companies that receive a lot of their money through credit card payments, such as restaurants or retail store owners, can use a merchant cash advance for short-term financing. It allows you to have cash ready in the event of unexpected payments, inventory purchase, and debt payments.

Getting Started
The typical applicant will have an annual revenue of over $180K and a credit score of 550. They will typically have been in business for over two years before they apply.

How to Apply for an MCA
An MCA company will take a look at your current and past credit card statements to ensure that you are getting the right amount of volume to your business in order to approve you for the loan. This is because a merchant cash advance is paid back through your daily credit card sales. Many companies will look at your bank statements and will require a credit check.
A merchant cash advance application will be filled out online. Applications are approved the very same day you apply with the company. While getting a merchant cash advance is fast and simple, MCAs are known for their high cost of capital.

What Documents Will I Need?
You will need to have the following when you apply:
•Current Driver’s License
•Credit Score
•Voided Business Check
•Business Tax Returns
•Credit Card Processing Statements
•Current Bank Statements

How a Merchant Cash Advance Works
Many businesses depend on loans to pull them through hard times. However, other loans take time to be approved- something you may not have at the moment. Additionally, you may not even qualify for them.

A Washington merchant cash advance allows you to get the cash you need quickly and easily. If you believe that you will not qualify for a traditional loan, or you simply do not have the time to wait for approval, then a merchant cash advance could be the perfect choice for you.

The merchant cash loan provider will provide your business with a lump sum of cash upon approval. In exchange for the cash, the provider will then take a portion of your daily debit and credit card sales as payment. The provider can simply take the money directly from your business bank account or the credit card processor. This makes them easy loans to deal with, especially for busy business owners.

Do you need a small business loan?

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