Funding based on your sales, not a stack of tax returns. For NYC businesses with steady deposits. Apply in about 5 minutes.
Get My OfferMerchant Cash Advance | NYC
From corner stores to full-service restaurants, New York businesses move a lot of money. A merchant cash advance is built around that flow.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. A soft pull starts the process and your sales carry weight.
Your offer lists the full repayment amount before you accept. No surprise costs after signing.
How and when repayment happens is spelled out in your offer.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A merchant cash advance provides a lump sum in exchange for a portion of your future sales. Instead of a bank-style approval built on collateral and tax returns, the decision centers on how your business takes in money. That makes it a common fit for New York businesses with steady card or deposit volume: restaurants in Astoria, retailers on Fulton Street, salons in Harlem, auto shops in Staten Island.
We ask for about three months of business bank statements and a short application that takes about 5 minutes. No tax returns are required. We start with a soft credit pull, and FICO scores from 500 are considered. Sole proprietors can apply.
Funders weigh how consistent your deposits are, what you already pay out to other obligations, and how long you have been in business. The amount, from $25,000 to $5,000,000, depends mainly on deposits and existing obligations.
For illustration: a Brooklyn cafe with steady daily card sales might use an advance to rebuild its espresso bar before the fall, without pausing operations to wait on a bank.
An advance works best for businesses with consistent sales and a clear, near-term use for the money. If your deposits swing wildly from week to week, or the purpose is vague, another product may suit you better. Think about your slowest month in the city, whether it is the post-holiday dip or the August slowdown, and check that the repayment schedule in your offer still works then. If you already carry other obligations, list them on your application. Funders see them on your statements anyway, and being upfront keeps the review moving.
Your offer shows the full repayment amount and how repayment is scheduled before you accept. No surprise costs are added after you sign. Qualified businesses can be funded in as little as 24 hours.
If you want a reusable source of funds instead, see our business line of credit in New York or working capital loans. Ready? Apply here.
You receive a lump sum in exchange for a portion of future sales. The offer shows the full repayment amount and schedule before you accept.
An established business with steady deposits, about three months of bank statements, and a 5-minute application. FICO scores from 500 are considered.
No. Bank statements are the core of the review.
Qualified businesses can be funded in as little as 24 hours.
Sole proprietors can apply. We look at the deposits running through your business account.
Existing obligations are part of the review. They affect how much fits your deposits, so list them on your application.
Example uses for illustration only.
Before applying for an advance, a few habits help your file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding