when a merchant cash advance makes sense

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

when a merchant cash advance makes sense

About Merchant Cash Advance
Originally, the merchant cash advance was designed to be a lump-sum payment to a business in exchange for a percentage that is agreed upon on future credit or debit sales. Currently, this is a system that entails small business financing whereby funds are passed on to businesses independent of loans, in exchange for a percentage of the businesses’ daily credit income.

Merchant cash advance is otherwise known as factoring, and it is among the newest and greatest alternatives to the system of traditional bank loans. For over ten years MCA (Merchant Cash Advance) has provided business owners with the opportunity of getting advance loans to keep on financing their businesses. Suffice it is to say that every business owner dreams and tries their best to keep their business running smoothly while providing satisfactory returns, but this is not always the case.

Along the way, business owners are faced with certain quandaries here and there, and the option has always been bank loans, but with the emergence of the merchant cash advance, the previous should be long forgotten. This is because the MCA provides one with an easier and less stressful method of getting loans compared to the bank loan process that is characterized by lengthy negotiations that often are stressful and lack any guarantee of even getting the loan at the end of the tedious process.

What MCA entails and how to go about it
The merchant cash advance provider gives you an upfront sum of cash in exchange for a part of future sales. The repayments can be done in two ways:

 One can get an upfront sum of money in exchange for a part of your future credit/debit card sales.

 One can get upfront cash that is repaid by giving fixed daily or weekly debits from your bank account, and this is a method known as Automated Clearing House (ACH).

The latter has become the most common mode of repayment.

Advantages of Merchant Cash Advance
• They are quick. One can get the merchant cash advance within a week or so, and there is no heavy paperwork.

• One does not risk losing any personal belongings such as their house. The MCAs are unsecured, and as a result, one does not require any collateral. This simply means that there’s no need to forfeit any personal or business assets if things do not go as expected.

• When sales are down, one’s payment may be down too. A fixed percentage of one’s sales sets a basis for the repayment, and therefore the repayments adjust based on how well one’s business is doing. This is a very fundamental advantage since it seems to put into consideration the fact that businesses do not always run smoothly or rather, one is bound to incur losses once in a while hence payment is made vis-à-vis considering how well one’s business is doing.

Traditional bank loans
Banks are generally the largest business lenders, and often the first place business owners think of seeking financial aid when their businesses are facing financial constraints. It is true that banks offer some of the lowest cost loans, but only if one qualifies.

Furthermore, small business owners also very rarely do qualify for bank loans with statistics suggesting that around 72% of small business owners actually get rejected and fail to qualify for bank loans.

Applying for these loans is tedious as aforementioned and usually lasts for about one to three months. Yes, it is true that some upsides come along with using traditional bank loaning system, but for the purposes of this comparison, we shall mainly focus on the cons with a view of clearly illustrating why Merchant cash advance is preferable.

1. The traditional loan banking system entails very lengthy paperwork and this in itself is a very mortifying factor.

2. Processing these loans is time-consuming: one to three months as mentioned above, and this is so disadvantageous since the party applying may have other things to do.

3. Larger loans usually have certain terms and conditions that one must adhere to such as the provision of quarterly management information.

4. The loans are not very flexible since one may end up in a situation where they are paying interest on funds that they are not using, and this clearly is a huge downside.

5. Bank loans require collateral which is usually secured, and if secured against your business assets or personal possessions like one’s home then one risks losing either if they cannot make repayment and this is a major quandary. When one requires financial assistance they expect or rather hope to get this from someone who they are certain is open minded and cognisant of the fact that financial setbacks are not foreseeable and this is manifested by the lending party not being ready even to consider taking away fundamental possessions.

In conclusion, when one compares the two phenomena; merchant cash advance and traditional bank loans, it is clear that the former is more preferable and reliable and therefore the best way to go

Do you need a small business loan?

Apply now