Funding tied to your sales, from $25,000 to $5,000,000. Soft pull to start, no tax returns, and funding in as little as 24 hours for qualified businesses.
Get My OfferMerchant Cash Advance, New York
From Buffalo storefronts to Queens restaurants, an advance can cover inventory, payroll or a repair without a long bank process. We review your deposits and show the full payback before you accept.
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.
Five-minute application, about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Your sales history carries real weight next to your score.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
How and when payments are collected is laid out in the offer from the start.
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 gives your business a lump sum now in exchange for a share of future receivables. Instead of a fixed loan payment set by a bank's underwriting rules, repayment comes from the sales your business already generates. That makes it a common fit for New York businesses with lots of daily transactions: restaurants, delis, salons, retail shops and service companies.
Before you accept, the offer spells out the total amount to be repaid and how payments are collected. Nothing gets added after you sign.
Rent, payroll and inventory costs move quickly in the state, whether you run a bodega in the Bronx, a winery in the Finger Lakes or a machine shop near Rochester. Bank loans can take weeks and usually ask for tax returns and full financial statements. We work mainly from about three months of business bank statements, start with a soft credit pull and consider FICO scores of 500 and up.
Advances run from $25,000 to $5,000,000. For businesses in the five boroughs, see our New York City merchant cash advance page.
A beach business on Long Island and a ski-area shop in the Adirondacks peak at opposite ends of the year. Upstate retail often swings with the holidays and weather. We read your statements with that in mind and look at how the business has handled slower months before.
Ask yourself whether the payments fit your slowest weeks, not just your best ones. Look at the total repayment amount in the offer and compare it with what the money will help you earn or save. An advance works best for a clear purpose: inventory that will sell, a repair that keeps doors open, or staff for a busy stretch. If the need is ongoing rather than one-time, a line of credit may be a better match.
If you want to draw only what you need, a business line of credit may suit you better. For a specific machine or vehicle, look at equipment financing in New York. When you are ready, apply in about five minutes.
No. It is a purchase of a portion of your future receivables. Repayment comes from your sales rather than a traditional loan schedule set by a bank.
Decisions move quickly once statements are in, and funding can arrive in as little as 24 hours for qualified businesses.
About three months of business bank statements and a short application. No tax returns are required.
We consider FICO scores of 500 and up. Deposits and existing balances carry a lot of weight in the review.
Yes. Your offer shows the full repayment amount and the payment schedule before you accept.
Example uses for illustration only.
A few habits can help you get a stronger offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding