Delta Capital Group Reviews: Pros, Cons, Are They Legit (2025)
The Bottom Line:
Delta Capital Group is a suitable choice for small business owners seeking quick and easy access to working capital, especially if they don't qualify for traditional bank loans.
Pros | Cons |
---|---|
Customizable loan solutions for various needs. | Higher interest rates for some borrowers. |
Easy online application process. | Requires a personal guarantee. |
Fast approval and funding. | May have additional fees. |
No minimum credit score requirement. | Not available in all states. |
Full Review:
Delta Capital Group is an alternative lender specializing in providing small business loans and merchant cash advances. Their flexible lending solutions cater to businesses in need of quick funding for various purposes, such as inventory purchases, payroll, or unexpected expenses.
Delta Capital Group prides itself on offering an easy application process, fast approval, and funding times, making it an attractive option for small business owners who need access to capital without the hassle of traditional bank loans.
Delta Capital Group is best for borrowers who:
Need quick access to capital: Delta Capital Group's streamlined application process and fast approval times allow businesses to secure funding quickly, often within 24-48 hours.
Have less-than-stellar credit: Unlike traditional banks, Delta Capital Group doesn't have a minimum credit score requirement, making it a viable option for business owners with poor credit history.
Seek flexible loan terms: Delta Capital Group offers customized loan solutions tailored to each business's unique needs, providing a level of flexibility not commonly found with other lenders.
Delta Capital Group loan features
Delta Capital Group offers small business loans and merchant cash advances, with loan amounts and terms customized to suit each business's requirements.
Here's what you can expect from Delta Capital Group's financing options:
Feature | Small Business Loans | Merchant Cash Advances |
---|---|---|
Loan amount | Up to $500,000 | Up to $500,000 |
Estimated APR range | Varies | Varies |
Fees | Origination fee | Factor fee |
Terms | Customized | Based on future sales |
Repayment schedule | Weekly or monthly | Daily or weekly |
Funding speed | 24-48 hours | 24-48 hours |
Delta Capital Group loan requirements
To qualify for a small business loan or a merchant cash advance from Delta Capital Group, you'll need to meet the following minimum criteria:
Time in business: Six months or more.
Annual revenue: $100,000 or more.
Credit score: No minimum requirement, but credit history will be reviewed.
Where Delta Capital Group Stands Out
Quick funding
Delta Capital Group's fast application and approval process make it an excellent choice for businesses that need access to capital quickly. With funding often available within 24-48 hours, small business owners can address pressing financial needs without waiting for a lengthy bank approval process.
Flexible loan options
Delta Capital Group offers customized loan solutions tailored to each business's specific requirements. This flexibility allows borrowers to secure the right amount of funding with repayment terms that align with their cash flow.
No minimum credit score requirement
Delta Capital Group does not have a minimum credit score requirement, making it an accessible option for small business owners with less-than-perfect credit. While your credit history will still be reviewed, this lender is more likely to consider other factors, such as your business's revenue and growth potential.
Where Delta Capital Group Falls Short
Higher interest rates for some borrowers
While Delta Capital Group offers accessible financing options for business owners with less-than-perfect credit, these borrowers may face higher interest rates compared to those with better credit scores. It's essential to carefully consider the cost of borrowing and compare your options to find the best deal for your business.
Additional fees
Delta Capital Group may charge an origination fee for small business loans and a factor fee for merchant cash advances. Ensure you understand all associated costs before accepting a loan offer to avoid unexpected expenses.
Limited availability
Delta Capital Group's lending options may not be available in all states. Check their website or contact customer support to verify whether their services are available in your area.
FAQs about Delta Capital Group
What industries does Delta Capital Group serve?
Delta Capital Group works with various industries, including retail, restaurants, medical, construction, and automotive. However, they do not provide loans to businesses operating in the adult entertainment, gambling, or cannabis industries.
How long does the application process take?
The online application process is quick and straightforward, usually taking only a few minutes to complete. Once submitted, a loan specialist will review your application and reach out to discuss your options.
Are there any prepayment penalties?
No, Delta Capital Group does not charge prepayment penalties. You can pay off your loan early without incurring additional fees, potentially saving on interest costs.
How is the repayment process for a merchant cash advance?
Merchant cash advance repayments are based on a percentage of your daily or weekly credit card sales. This means that the repayment amount will vary based on your business's sales volume, making it a more manageable option for businesses with fluctuating revenues.
Is collateral required for a Delta Capital Group loan?
No, Delta Capital Group does not require collateral for their small business loans or merchant cash advances. However, they may require a personal guarantee from the business owner.
Can a startup qualify for a Delta Capital Group loan?
Delta Capital Group requires businesses to have a minimum of six months of operational history to qualify for their loans, so startups in the very early stages may not be eligible.
What documents will I need to provide during the application process?
You may be asked to provide several documents, such as business bank statements, tax returns, and financial statements. The specific documentation required will depend on the loan type and your individual circumstances.
How can I use the funds from a Delta Capital Group loan?
You can use the funds from a Delta Capital Group loan for various business purposes, including purchasing inventory, covering payroll, investing in equipment, or managing unexpected expenses. However, you cannot use the funds for personal expenses or illegal activities.
Customer Reviews
WORST experience. This business operates with zero integrity and my record was completely botched. I was initially contacted by Miriam along with also the very first email had stated I had been"fully approved" for additional funds. Then the assumed Vice President David Snyder emailed me stating he had funds"Ready to Fund" and followed that up with a pleasant little one liner"no one funds as quickly as we well if you ever need additional funding we can do it for you." Right from the gate I made certain to disclose up front that my company had payments bounce lately with a creditor due to reimbursables. I had been in stating I wished to be certain underwriting was aware of this and when they did not want to proceed having knowledge of this to JUST LET ME KNOW UP FRONT clear. David responded by instructing me to supply some files to underwriting, they examined everything and that I was cleared. Underwriting explained that because of this bounced payment my funding had to be broken to two contracts. We did this and I signed. 4 times goes I do the bank confirmation, I am called by underwriting again with a couple of simple questions. They were answered by me, and he said he'd call me right backagain. Never heard from him so I reached out to David by email and requested to get confirmation on if I received approval. He responded by stating"David we missed the cutoff, will find this to funding call tmrw morning" I routed ANOTHER email requesting him to be clear"Does that imply underwriting approved and that I just have to fill out the call? Basically I am trying to figure out if at this point it is 100% for certain that I am being funded, or when there is still a chance I won't be accepted" He reacted by saying"David resembles its all good we just need them to perform funding call in the am. They might do a bank confirmation in the am that's why I always say to make sure bank stays positive" Well. My account was plenty favorable, and one petition came back for me to provide an entity submitting document which I was in the process of becoming to them had David cc'd on my outreach email to Nevada Corp Headquarters just so he would know I was getting it done, then out of NOWHERE David emailed me and stated"David underwriting said that their was missed payments along with the possession issue so they can not move forward with financing at the present time" He had absolutely nothing to say on the phone, and CLEARLY had no clue what he was talking about with my file. He explained 20 payments were seen by underwriting. What a load of crap. I questioned why we were even talking about that as I was cleared from underwriting on this and corrected him saying it was 6. The moral of the story here is due in reviewing my document that they took back my being draining AND stated I did not supply the entity document they asked to underwritings negligence. David, the so called vice president, was cc'd about the email PROVING I was getting that record. Nobody had any intention of making things right. If David is the vice president I have no idea how he would not think to go and figure out what the facts would be to ensure Delta Capital applicants are being reviewed/processed fairly and with integrity. Should they miss something similar to this AND do not care to own up to their mistakes, and Underwriting shouldn't be reviewing files. The ONE thing they are supposed to do impeccably is review applicants files. I really don't care how much I do not and wouldn't do business with individuals who cannot take care with.
Sold me a loan with 75k revival in 6 weeks! What a RIP OFF! Promised to pay it off in 3 months and refinance at lower speed. Complete LIE! I tried to contact their personal all . They hid and avoiding the calls and mails. Looks like 3 months has been the expression for them to secure their cut out of the profits of the loan. On the month when I need more funding, ask and that they even dare to call. Thieves! Never visit them!
Got some financing a month ago from a reputable firm. These shysters (delta capital) delivered an unsolicited email using a follow up telephone call, talking the financing I received with any worker who answered the telephone. It had nothing to do in any way with them! Unprofessional, and eventually become rude when we started to ask questions like"Is this a solicitation call?" . Avoid these guys, I know I will.
Received a call from a Michael Richards"CFO".
Asked to speak to a co-worker. When advised the co-worker was unavailable and asked what it was in regards to, he said that it is extremely important to talk to him and needed to your co-worker's cell telephone number. He explained he was going to hang up and He asked him to repeat it and said I am a loser. What a business strategy that is weird for a scammer.A very large small business loan was needed by recently. My bank didn't approve me for the amount that I needed however Mike in Delta made a few inquiries and approved me within 24 hrs. He was so beneficial. He made the process easy and has a fantastic sense of humor. Call Mike. Im sure he will give you a hand if needed. He needs to be in the comedy business.
I had a good experience with Delta Capital. I had been sceptical when I was called by them. I thought that they were just another one of those cash advance company however so far Greg was my man! I'm still in the process of building up my comany but I've revived my loan three days now with Delta and I am really impressed with my terms improve with each loan.
My company was in need of capital for equipment purchase. Bob Nelson in Delta Capital made this an effortless procedure. All my questions were answered and everything! Procedure took about two weeks and we had the cash we had. So quick and easy. Will definitely work with them again and will recommend this company. Thank you Delta Capital!
Really fantastic company, I cannot believe how Mike made me it to get all the funds I needed to enhance my business. I tried other companies and they made it difficult for me with expectations that were mad. No reservations, I definitely recommend using DeltaCapitalGroup for any company needing any quantity of funding for their organization!
It is uncommon to take care of an organization that has great customer service. Everything was accomplished with little effort because of Mike Richards who is well informed capable, funny, and supportive with this particular circumstance. I strongly recommend your company to other people!
Mr. Grey Fox has been extremely helpful and helped my company to get two business loan within half of a year. My company was successfully expanded to the West Coast, my next thing is to continue to work with Mr. Fox to our Asia growth. Really appreciated for Mr. Fox's professional aid.
This is not a good company - spam calls following junk calls once we always tell them we're not interested. We maintain blocking the numbers they keep calling from and also the representative that has been assigned to us is impolite. Find a different company to obtain capital from.
They are professional, in charge of a speedy turnaround. This firm is also apparent on their processes and they follow through on their commitments. No false claims. As funding needs arise, future trades would be completed by me together. John T.
Worked with Allen in Delta Dapital and was impressed with the Procedure.
We had the funds we needed within two days of our first cinversation. Its a little more expensive than bank financing but we found it to be a fantastic help.I have had previous loans. Delta was honest from the begening and that I had been aproved for more than I believed. Mr Richards was quite informative and I will expect another loan out of them. Thank you Delta Capital.
This company is your absolute best. We turned to them to help guide through the world of fast financing and they achieved an extremely valuable support. We recommend Delta Capital highly as a pioneer in the specialty.
Thanks!
Marc and Steve were quite helpful. We were able to get 300,000 wired into our account within 12 hours of applying. Cost of funds was little greater than we wanted but the speed was exceptionalTruly a five star company. I have found DeltaCapitalGroup to efficient, capable and ethical. They were able to secure financing for us in time using a minimum of effort. They are highly recommended by me.
I've dealt with a couple companies in this area and Delta has been the most easy to deal with palms down. Greg F. walked me through all and made this as seamless a process as possible. Highly recommend.
Worked with Greg and Eli who were an amazing team. They had an endorsement for me and worked. I would work with them and Delta Capital Group again as well as highly recommend them to anybody!
Delta Capital is Great.
They a true joy to work with and the whole staff is responsive. We obtained the funds we needed in less than 36 hours will definitly use them again.Had an experience! Because of Michelle I was financed in less than 24 hours. Delta Capital has been a joy to do business with and I look forward to a long-lasting relationship!
I've been working for 6 years with Greg now. He is excellent at what he does and the whole staff at Delta Capitol Group is awesome. I suggest Greg and his team to anyone.
Delta was able to get me 250,000 for my business within 24 hours already. Would definetly recommend. Fantastic team of professionals. David and bob were a joy.
Bob Nelson was great. Easy to work with and the communication was excellent. Easy to reach via phone or e-mail. It was a experience and I would recommend him.
Paul and simon were quite beneficial. We had the funds wired into our account at noon for payroll by Friday and delivered afternoon. Would definitely reccomend
Only had Steve Ross then was quite rude to me after I informed him I was not interested and telephone me faking he worked for American Express.
I've done a few deals together. I have worked with Greg Fox and the support has been outstanding. Knowledgeable, quick and helpful each time.
Highly Advised.
Greg and Steve actually got me the deal I wanted, unlike a few companies which did not provide and promised one thing!Got funded from delta capital, process was quite smooth and was financed in 24 hours, ill definitly use them again when I need some capital.
I applied on Monday for a loan and got approved and the capital were in my own account Tuesday morning. Very professional and easy to use.
Got a loan from delta capital, talked to the Manager bob has been a joy to use, I'll be sure if I need money again to get hold of them.
Great business, document requirement that is easy. Great patience. Got what we wanted. We recommend them to all small businesses.
All these people today keep sending me emails that are unwanted and they refuse to stop, must be a shady scam of a company.
I had a wonderful experience working with Bob and Greg. Thank you! I will definitely use you guys again. Thank you!
Wonderful service has been a joy to use. Great offers and great rates, going back to Jon when I want another loan
They are a wonderful company that cares in a sensible and timely fashion. I would recommend them always. Yossi
Lousy experience. Didn't follow through with guarantee. They said it was not asked by any bank verify .
Knows the business truthful well and fair. Responsive and sensitive to wants/needs.
Bob managed to help us acquire! Would definitely recommend to any business owner!
Worked with Steve to receive and they were able to get us funded within 36 hours.
Mike and got my advance are was so amusing and witty and he knows what hes doing.
Great Service!

About Delta Capital Group
Delta Capital Is your premier source for nonsecured business financing.
Website:
deltacapitalgroup.com
Contact:
10400 Griffin Rd #301Fort Lauderdale
33328
United States
877-230-1525
[email protected]