Cover payroll, inventory and timing gaps with $25,000 to $5,000,000. About three months of statements, no tax returns, soft pull to start.
Start My ApplicationWorking Capital, New York
New York businesses often pay out long before they get paid. Working capital bridges that gap so you can keep crews working and shelves full while invoices clear.
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 recent bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposits and current balances drive most of the decision.
The total repayment amount is in your offer before you accept. No surprise costs after signing.
Your repayment schedule is laid out in the offer up front.
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 Brooklyn caterer waiting on a corporate client to pay, an Albany contractor who needs to buy materials before the first draw, a Syracuse retailer stocking up ahead of the holidays. None of these businesses is in trouble. They just need money before their revenue catches up. That is what working capital is for.
We provide working capital from $25,000 to $5,000,000 to established New York businesses with steady deposits.
Our process centers on about three months of business bank statements. We look at average deposits, how steady they are, and what you already owe. We consider FICO scores of 500 and up and start with a soft credit pull. No tax returns are required, and sole proprietors can apply.
The amount you are offered depends mainly on your deposits and existing obligations, not on a single number from a credit report.
Working capital is a broad category. Some owners prefer a merchant cash advance repaid from sales. Others want a business line of credit they can draw from as needed. If you are buying a specific machine, equipment financing may make more sense. We will talk through what fits your cash flow.
Say a Westchester landscaping company brings in steady deposits most of the year but needs to buy mulch, plants and fuel in early spring before customers pay. A working capital offer sized to its deposits lets the owner stock up and keep crews working. The offer shows the total repayment amount and the schedule, so the owner can check that payments fit the cash coming in once the season starts. This example is for illustration only; real offers depend on your own deposits and obligations.
The application takes about five minutes. Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Your offer shows the full repayment amount and the schedule before you accept.
From $25,000 to $5,000,000. The amount depends mainly on your monthly deposits and any obligations you already carry.
Our review focuses on your deposits and business performance. Your offer will spell out all terms before you accept.
We consider FICO scores of 500 and up and begin with a soft credit pull.
Yes. Payroll, inventory, repairs, hiring and marketing are all common uses.
Funding can arrive in as little as 24 hours for qualified businesses once your file is complete.
Yes. Businesses anywhere in the state can apply, from the five boroughs to upstate towns, as long as there is a steady deposit history.
Example uses for illustration only.
Owners who prepare these items usually move through review faster.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding