Cover payroll, rent and inventory without waiting on a bank. For NYC businesses with steady deposits. No tax returns required.
Apply in MinutesWorking Capital | New York, NY
High rents and slow-paying clients squeeze even strong New York businesses. Working capital keeps operations steady while revenue catches up.
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.
About three months of statements and a 5-minute application. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We start with a soft pull and weigh your deposits.
The full repayment amount is in your offer before you accept, and nothing is added after you sign.
Your offer lays out the repayment schedule so you can plan monthly cash flow.
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.
Operating in New York means carrying costs most of the country does not see: commercial rent, high labor costs, delivery fees and constant competition for customers. A good month can still leave you short on cash if a big client pays late or inventory has to be bought ahead of a season. Working capital fills that gap.
We fund established NYC businesses with steady deposits, from $25,000 to $5,000,000.
Agencies, contractors and consultants who invoice clients and wait to get paid.
Shops, bars and restaurants managing inventory, staffing and the swing between tourist season and quieter months.
Firms buying materials and paying crews before a project's first payment.
Sole proprietors can apply too.
The application takes about 5 minutes and starts with a soft credit pull. We review about three months of business bank statements, with no tax returns required. FICO scores from 500 are considered. The amount depends mainly on your deposits and the obligations you already carry.
For illustration: a Manhattan design studio with steady monthly deposits might use working capital to cover payroll for a large project while waiting on the client's net-60 invoice.
Many New York businesses have a rhythm: the holiday rush for retail, wedding season for caterers and florists, summer slowdowns for offices that empty out in August. Working capital is most useful when it is timed to that rhythm. Funding ahead of a busy period lets you stock up and staff up. Funding at the start of a slow period can cover fixed costs like rent until sales return. Either way, look at the repayment schedule in your offer and check it against your slowest month, not your best one. A Queens florist planning for June weddings, for example, might line up working capital in early spring, when deposits are still steady from Valentine's Day and Mother's Day orders.
Your offer shows the full repayment amount and the repayment schedule before you accept. Nothing gets added after you sign. Qualified businesses can be funded in as little as 24 hours.
Compare options with a merchant cash advance in New York or a business line of credit, then apply when ready.
Payroll, rent, inventory, materials, marketing and other everyday operating costs.
From $25,000 to $5,000,000, based mainly on your deposits and existing obligations.
No tax returns are required. We review about three months of business bank statements.
FICO scores from 500 are considered, alongside your deposit history.
The application takes about 5 minutes, and qualified businesses can be funded in as little as 24 hours.
Yes. Sole proprietors can apply. We review the deposits in your business account.
Example uses for illustration only.
These steps make a working capital request stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding