| Key Takeaway | What It Means |
| ⚡ Speed First | A direct funder, Delta Capital Group wires money as fast as the same day and funds 95% of approved files within two business days. |
| 💳 Unsecured Working Capital | Its core product is short-term unsecured funding, often a merchant cash advance, not a low-cost bank loan. |
| 📉 Cost Is the Trade-off | Same-day money is priced with factor rates and frequent payments, so the real cost runs well above a bank rate. |
| ✅ Flexible Credit | Minimums are roughly six months in business, $15,000 monthly revenue, and a 500+ FICO. |
| ⭐ Mixed Reputation | The company holds a 4-star Trustpilot rating across about 234 reviews, alongside Better Business Bureau complaints. |
| 🔀 One Funder, One Answer | As a single funder, it gives one answer; a marketplace like United Capital Source reaches 80+ lenders from one application. |
| 🧭 Best-Fit Check | It fits sudden, short-term needs for credit-challenged owners; for cheaper long-term money, compare term loans and SBA options. |
Based in Florida, Delta Capital Group funds businesses directly, not through a marketplace, as fast as the same day, at a cost worth weighing first.
| Signal | Detail |
| Funder type | Direct funder of unsecured working capital (not a marketplace) |
| Funding speed | Same-day possible; ~95% funded within two business days (company-reported) |
| Funding range | Advertised $500,000 to $5 million (varies by page) |
| Term length | Short-term, up to 24 months |
| Credit floor | 500+ FICO most pages (650+ on the Florida page) |
| Time in business/revenue | 6+ months in business; $15,000+ a month |
| Customer rating | 4-star on Trustpilot across ~234 reviews (as of June 2026; re-verify before publishing) |
| Headquarters | Hollywood, Florida |
When a business needs money this week, the slow, document-heavy bank path often is not an option. Fast online funders fill that gap, and Delta Capital Group is among the better-known names. The pitch is simple: apply in minutes, hear back in hours, and receive funds quickly, sometimes the same day. This review covers what that speed costs and when another option is a better fit.
Headquartered in Hollywood, Florida, Delta Capital Group is a single funder of unsecured working capital, making its own decisions rather than shopping an application to multiple lenders. Its core product is short term business financing, often a merchant cash advance, not a low-rate bank loan. The name is shared, so to be clear: this covers Delta Capital Group, not Delta Capital Management, Delta-v Capital, or Delta Capital Partners.
Companies such as Delta Capital Group are among those we evaluate at United Capital Source, a full-service concierge business funding marketplace. With us, one application reaches our network of 80+ lenders, and a funding specialist matches your file to the right-fit option instead of a single take-it-or-leave-it offer. Since 2011, we have helped more than 40,000 businesses access over $1.6 billion.
In this review, we cover the following and more:
Based in Hollywood, Florida, Delta Capital Group offers fast, unsecured business funding to small businesses. The company makes its own funding decisions, so it is a single funder, not a marketplace that shops your file to several lenders. It serves clients across many industries, from construction to healthcare, provided they show steady monthly revenue, and mostly provides short-term money for owners who need cash quickly.
One point of confusion is worth clearing up: several unrelated companies share this name. The business here is the business funder, not the similarly named SEC-registered investment advisor, so if you searched whether it is a registered investment advisor, the answer is no. It is a real company with a verifiable address, an active Better Business Bureau profile, hundreds of customer reviews, and a service team you can reach by phone.
Its lineup centers on short term financing rather than traditional bank loans. The main product works like a merchant cash advance: a lump sum repaid from future revenue through fixed daily or weekly payments. It delivers money fast but at a high price, suited to short cash-flow gaps rather than long projects. Clients use it for unexpected expenses, new inventory, or to invest in a quick opportunity in almost any industry.
It also offers short term loans and business lines of credit, and its materials list additional funding and flexible funding solutions, such as equipment financing and factoring against unpaid invoices. In practice, it is a single funder of unsecured money, so confirm what it actually funds. For most applicants, the real choice is between an advance against revenue and a revolving credit line.
A business line of credit provides ongoing access to funds you draw, repay, and draw again, with approval in roughly two business days. Used with discipline, it lets you pay for new equipment, upgrade equipment, or smooth payroll.
Delta Capital Group products at a glance
| Product | Best for | Speed | Relative cost |
| Working capital advance (MCA-style) | Sudden short-term needs | Same day to two days | Highest |
| Business line of credit | Recurring or uneven cash gaps | About two days to approve | Moderate |
| Short-term business loan | A defined one-time expense | Days | Higher than bank loans |
The company does not publish a rate sheet, so the cost depends on your offer. Short term funding like this is priced with a factor rate, not interest: you repay a fixed multiple of the amount advanced, with a focus on revenue rather than a long credit history. A factor rate looks small until you annualize it so that same day convenience can cost far more than a bank loan.
The math: a $50,000 advance at a 1.3 factor means $65,000 repaid, often as daily or weekly payments of about $620 for five months. Those payments come in whether or not sales come in, so the risk of a slow week is real. On terms, products run up to 24 months, and advertised amounts vary widely, from $500,000 to as much as $5 million, so confirm the real cap before funding a business expansion.
The company sets a low bar by bank standards. Across its pages, it lists three basics: at least six months in business, monthly revenue of around $15,000, and a credit score as low as 500. Because approval leans on deposits and revenue rather than your score alone, a 540 FICO with steady sales can qualify where a bank declines, and many qualified applicants are owners a traditional lender already turned away.
Two caveats. It does not require collateral, which lowers risk to your assets but raises cost. And the numbers conflict across its pages: the main site lists 500-plus, the Florida page 650. Plan to share three months of recent statements; it watches your deposit account and business’s cash flow more than your business credit file, and the application is a soft inquiry that will not hurt your credit.
The company’s small business loan application process is built for speed from start to finish and runs mostly online. Here is how it works, step by step.
Start on the company’s website with a short online form covering basic business and revenue details. It takes minutes and runs only a soft credit check, so applying does not hurt your credit.
Next, share three months of recent bank statements, the main document the company uses to verify revenue. Most files need little else, and there is no collateral to pledge.
From there, it weighs your deposits, revenue, and industry rather than your score alone. Qualified applicants often hear back within hours, so a contractor who applies before lunch can have an offer that same afternoon, and the funding process stays mostly digital.
Before you sign, an expert advisor walks through the factor rate, term, and daily or weekly payment so the real cost is clear. This is the moment to ask questions and compare the offer against other options.
Once you accept, the money is wired to your business account, with same-day funding for many deals and 95% of approved files funded within two business days. Owners often use that speed to access capital before a busy stretch, increase working capital, or buy new equipment. Customers report that the service and support team stays responsive after funding, and you can contact your rep directly.
Its strengths and weaknesses flow from the same trait: speed. Approvals are fast and forgiving; it does not require collateral, and you get a dedicated rep and a hands-on service team, not a call center. A seasonal business in a tough industry can bridge a slow stretch, and clients and customers often praise reps for responsive service.
The trade-offs are clear. The cost of an advance is high, the daily or weekly payments strain your business’s cash flow, and long-term options are thin. Reputation is mixed: a 4-star Trustpilot rating across about 234 reviews, where customers praise the team for great service, sits alongside negative reviews and Better Business Bureau complaints about pushy sales and hard-to-stop contact.
Delta Capital Group pros and cons
| Pros | Cons |
| Same-day funding for time-sensitive needs | High cost (factor rates) on advances |
| Approves weaker credit, around a 500 FICO | Daily or weekly payments strain cash flow |
| No collateral required | Limited low-cost, long-term options |
| Dedicated reps, often praised for service | Some Better Business Bureau complaints about sales |
The right alternative depends on what is driving your need for money. If the need is short-term and your credit is thin, another advance may look similar, so compare real costs. If you want cheaper financing over a longer horizon, business term loans or SBA loans usually fit better. However, they weigh your business credit more heavily, and owners weighing long-term business loans for an expansion almost always do better outside a short term business cash advance.
A marketplace changes the math. An owner who needs $300,000 over five years to invest in growth does not fit a short-term structure, and a single funder can only say yes or no to its own product. Through United Capital Source, a single application reaches 80+ lenders so that a specialist can route the file to the right long-term option or SBA loan. When a file is borderline, more lenders mean more financing options that work for your operations.
Delta Capital Group earns a clear place for one job: fast money when speed is critical. If your business has run for six months, brings steady revenue, and needs money in days, it is a credible option, especially after a bank says no, if you have done the cost math. With time, stronger credit, or a larger, longer loan, you will do better by comparing several lenders first. Based on the available information, we rate Delta Capital 4 out of 5. It stands out for accessibility and fast funding, but lower-cost options are also available.
The honest bottom line: a useful tool for sudden, short-term gaps, and the wrong tool for cheap, long-term growth. The clients who do best treat it as a bridge, not a habit, keeping focus on the cheapest money they qualify for.
| “Speed is worth paying for sometimes, but never blindly. When an owner comes to us after an offer like this, our job is to put the full menu in front of them, not just one quick offer so that they can choose with the real numbers in hand.”
— Jared Weitz, CEO and Founder of United Capital Source |
Yes. It is a real business funder in Hollywood, Florida, with a 4-star Trustpilot rating based on about 234 client reviews as of 2026, alongside some Better Business Bureau complaints. Read recent reviews first.
It reports funding most approved files within two business days, with same day funding for some deals, depending on how fast you share statements and accept.
Most pages list a 500 FICO minimum; the Florida page says 650. Approval leans on revenue and bank account deposits, so a 540 score with strong sales can qualify. It weighs your business credit file less than a bank does.
Short term advances use a factor rate, not an APR. A $50,000 advance at a 1.3 factor means $65,000 repaid; convert the factor rate to real dollars, including the daily, weekly, or monthly payments, before accepting.
For short-term needs, compare other advance or short-term loan providers. For cheaper, longer-term financing, consider long-term loans or SBA loans. A marketplace such as United Capital Source allows a single application to reach 80+ lenders, so you can compare financing options for your operations.
Delta Capital Group can be the right call when you need cash fast, but it is a single funder with a single answer. Before you accept any offer, it is worth seeing what else your small business qualifies for. At United Capital Source, one application reaches our network of 80+ lenders, and a funding specialist helps you compare real offers across short-term funding, a credit line, term loans, and SBA options for your operations.
| One Application, 80+ Lenders
See your business funding options in minutes. Checking your options will not impact your credit score. |
Disclaimer:
This Delta Capital review is for general information only and reflects details available as of July 2026; funding rates, terms, and customer ratings change often, so verify current figures with Delta Capital Group directly before applying. It is not financial or legal advice. For government-backed options, consult the SBA or a licensed professional, and verify licensing with the Florida Office of Financial Regulation.
The Delta Capital trademark is owned by Delta Capital Group, LLC, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Delta Capital Group, LLC.
Jared Weitz is the Founder & CEO of United Capital Source (UCS), one of the nation’s fastest-growing business financing marketplaces. Since founding the company in 2011, Jared has built a technology-enabled platform that has facilitated over $1.6 billion in funding to more than 40,000 businesses across the United States. Under his leadership, UCS has evolved into a full-service marketplace that connects business owners with 80+ lenders while providing hands-on guidance throughout the entire funding process. Rather than selling client information like most lead generation companies in the business loans space, UCS works directly with each applicant—leveraging technology and experienced funding professionals to match businesses with the right financing options, structure deals, and guide them from application through funding and future growth. Jared’s work has earned national recognition, including the National Commercial Loan Broker of the Year award in 2019, and placements on the Inc. 5000 list in 2015 and 2017. He also serves as Broker Council Co-Chairman for the Small Business Finance Association, where he helps advocate for expanded access to capital for small businesses nationwide.
