New York · NY
New York Business Loans
New York businesses can apply once and see offers from the lenders in our network that write in NY. Approval rests on recent revenue rather than credit score, so a bank decline is not a barrier. Decisions typically inside 24 hours, funding in as little as 72 hours.
SBA Office of Advocacy, 2025
Small business in New York
- 2,378,996
- 46.6%
- 54,510
Nearly all of those are below the size a bank’s commercial desk is built to write, which is the gap revenue-based funding fills — approval on deposits rather than collateral, in days rather than weeks.
Submit an application- Won't affect your credit
- Free, no obligation
- Up to $500K
Serving businesses across New York
- New York City
- Buffalo
- Rochester
- Yonkers
Applications are accepted from anywhere in New York, not only these metros.
Industries
Common in New York.
Restaurants & Food Service
Banks read thin margins and high category failure rates and decline on the category rather than the business. Daily card settlement is exactly what a revenue-based lender wants: predictable deposits it can underwrite against.
Construction
Construction revenue arrives in lumps tied to milestones, so a bank reading twelve months of deposits sees instability. A revenue-based lender reads the same statements and sees a business that collects reliably, just not evenly.
Professional Services
Service firms hold little collateral, which is what a bank's model looks for. A revenue-based lender looks at recurring client billings instead and sees predictable, verifiable income.
Loan products
What New York businesses can apply for.
Advance against future sales
Merchant Cash Advance
A merchant cash advance gives a business a lump sum today in exchange for a fixed percentage of future sales. Approval is based on revenue rather than credit score, so businesses turned down by banks often still qualify. Funding typically lands in one to three business days.
Short-term cash for day-to-day operations
Working Capital Loans
A working capital loan covers day-to-day operating costs — payroll, rent, inventory, payables — rather than a long-term investment. Terms usually run three to eighteen months, decisions come in hours rather than weeks, and most funders weigh recent revenue more heavily than credit history.
Finance the machine, secured by the machine
Equipment Financing
Equipment financing pays for machinery, vehicles or tools, with the equipment itself serving as the collateral. Because the loan is secured by the asset, approval odds are higher and rates are usually lower than unsecured funding — and many businesses qualify with limited credit history.
Draw what you need, pay interest only on what you use
Business Line of Credit
A business line of credit is a revolving limit you draw against as needed, paying interest only on the amount drawn. It suits uneven cash flow and unexpected costs better than a lump-sum loan, and the limit replenishes as you repay.
Free help
SBA district offices serving New York
Free counselling, SBA loan programmes and local lender lists. Slower than what this site arranges and materially cheaper if you qualify — worth a call before you take an advance, not after.
Before you apply anywhere in NY
Cheaper options in New York that we do not place.
These usually cost less than anything we arrange and take longer, with their own paperwork. If the need can wait weeks, try them first. If payroll is due this week, they will not arrive in time.
State program
- New York State Capital Access Program (opens in a new tab)
Empire State Development matches contributions to a loan loss reserve so participating lenders will make more loans to New York small businesses; the lender makes every decision.
Free business advice (SBDC)
- New York SBDC (opens in a new tab)
Free, confidential one-on-one advising, training and research for business owners anywhere in the state.
Community lenders
- Pursuit (opens in a new tab)
A family of lenders including a Treasury-certified CDFI, making small business loans in New York, New Jersey, Pennsylvania, Connecticut and Illinois.
- TruFund Financial Services (opens in a new tab)
Flexible, affordable loans to small businesses and nonprofits in underserved communities across several regions of New York.
Your rights in NY
What a funder must tell you in New York.
Commercial Finance Disclosure Law, 23 NYCRR 600
New York's rule reaches brokers as well as funders: a broker must pass on the funder's unaltered disclosure before communicating a specific offer, and tell you in writing how and by whom it is paid. It covers financing up to $2.5 million.
In practice that means asking for the disclosure before you sign and reading the total repayment figure first — it is the number that makes two offers comparable, and the one a reluctant funder is least keen to put in writing.
FAQ
New York funding: common questions.
- Can I get a business loan in New York with bad credit?
- Yes, commonly. The lenders in our network that write in NY underwrite on business deposits rather than personal credit score, and many set no minimum score at all. Consistent monthly revenue matters far more than credit history.
- How fast can a New York business get funded?
- Decisions usually come back inside 24 hours and funding lands in as little as 72 hours once the file is complete. The slowest step is almost always producing three to six months of bank statements.
- Do funding terms differ in New York?
- Pricing and terms follow your business's revenue, deposit history and time in business far more than your state. What your state does determine is which lenders can write your deal at all, which is why the application asks for it up front.
- Which New York businesses qualify?
- Most established businesses with consistent monthly deposits, across restaurants & food service, construction, professional services and many others. Six months of trading opens the majority of options; under that narrows them but rarely closes them entirely.
Also serving near New York
One application, every lender we work with
Find out what you qualify for before you need it.
Eleven questions, about two minutes. You see offers side by side and take one, or none.
- Won't affect your credit
- Free, no obligation
- Decisions usually inside 24 hours
- Up to $500K