How you can use a small business loan

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.

Invest in your business

Use the loan to grow your business however you wish.


Use the loan to pay your employees.


Keep the cash on hand for future expenses.


Buy new equipment to grow your business.


Use the loan to hire new employees.

We Fund Fast

24-48 Hours

Loans up to

$10 Million

Google Rating

5 Stars

Delancey Street Can Help

We're committed to building relationships and helping people all over the USA get access to the RIGHT loan for them. Regardless


We're frequently interviewed by major media organizations.

Easy Application

Our app process is super easy. 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.

Hear from people we’ve helped

“Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.”

- Leena, VP of Sales at Waist Karma

Yellowstone Capital Merchant Cash Advance

Yellowstone capital is a merchant cash advance company. They are ok with poor credit, provide 2-8 month terms on advances, and have a fast 48 hour funding decision process. Yellowstone capital is a New Jersey based company which non-collateralized merchant cash advances to small businesses. They are ok with businesses that are stable, yet may have poor credit history. If this is your first time looking for a merchant cash advance deal, it might help to educate yourself about merchant cash advances before speaking to a company like Yellowstone Capital.

Merchant cash advance from companies like Yellowstone Capital is something businesses can turn to when they need short term funding, and may not qualify for a traditional loan, term loan, or SBA loan. In general, you should be prepared to pay a premium interest rate on the funds you get.

Typically, in order to qualify for a merchant cash advance loan, you should be in business for at least a year, have a good history of revenue for the last few months. Yellowstone Capital can provide loans anywhere from $2k to $500k, with a length of 2-8 months.

MCA’s are different than traditional loans

Rather than charging an interest rate(like on a traditional loan), MCA’s have you pay back a flat amount which is equal to the amount you borrow multiplied by a factor rate. For example, if you borrow $10,000 at a factor rate of 1.46, you might end up paying back $14,000 to $15,000. Needless to say, it can be expensive money! The weird quirk with merchant cash advance is that the faster you pay it off, the higher the effective APR is. Some MCA companies are ok with you paying off the advance early, but this can vary by funder. Unlike a traditional loan, you’ll be making payments daily, or weekly, with a merchant cash advance. This is done daily by an automated clearing house. Cash advances can be paid back via a % of your daily credit card revenue. MCA’s from companies like Yellowstone capital are unsecured, meaning you don’t need specific collateral.

How they work

Merchant cash advances are great for businesses whose revenue come from credit card, debit card, and direct deposit sales. They are amazing for restaurants, or retailers. Hypothethically, anyone can get a merchant cash advance as long as they have a business account. Merchant cash advances, from companies like Yellowstone capital, are a type of financing. They aren’t considered a loan. Merchant cash advance providers like Yellowstone capital give you an upfront sum of cash, in exchange for a portion of your future sales. Merchant cash advance repayments from companies like Yellowstone capital can be structured in 1 of 2 ways.

  1. You can get an upfront sum of cash, in exchange for a slice of the future credit card/debit card sales.
  2. You can upfront cash, which is then repaid by fixed daily or weekly debits from your bank account – known as ACH.

Regardless of what you do, a merchant cash advance company like Yellowstone capital will typically work with you in order to get funding. How much you’ll pay in fees is determined by your ability to repay the cash advance. Typically, merchant cash advance companies charge a factor rate, ranging from 1.2 to 1.5 – based on the level of risk associated with your funding request. The higher your factor rate, the more you pay in fees to a company like Yellowstone capital. You typically multiply the cash advance by the factor rate in order to get the total amount you have to repay. For example, a merchant cash advance of $50,000 with a factor rate of 1.4 means a total repayment of $70,000 – which means there’s $20,000 in fees you are paying (i.e. interest).

Why borrowers opt for an MCA from companies like Yellowstone capital

Speed: MCA’s can be done in 24 hours. This is great, and can help you get funding fast. Companies like Yellowstone capital look at your monthly credit card receipts, and look at deposits, to gauge how much you can repay.

You won’t lose your home: MCA’s are unsecured, which means you don’t need collateral in order to repay it. This means you don’t have to forefeit your personal, or business, assets in case your sales go down. Companies like Yellowstone Capital take a chance on your business by offering you funding when traditional lenders might say no.