Business loans in New York City, NY
Rent is due on the first whether the month was good or not, and in New York City that rent is steep. Owners from the Bronx to Staten Island come to us when a slow stretch, a big order or a new lease needs cash before the customers pay.
No fee and no credit pull to start. Most applicants hear from us the same business day, often within minutes.
Where New York City does business
- Midtown Manhattan: offices, hotels, theater district restaurants and the service firms that support them
- Lower Manhattan and the Financial District: financial offices, professional services, lunch-trade food businesses and tourist retail near the waterfront
- Brooklyn Navy Yard and Sunset Park: light manufacturing, food production, warehousing and creative studios in converted industrial buildings
- Long Island City, Queens: film studios, distribution, design firms and new residential construction along the East River
- Flushing, Queens: family-run restaurants, grocers, import shops and professional offices serving a busy commercial core
- The South Bronx: wholesale food markets, trucking, auto repair and neighborhood retail near the Hunts Point peninsula
Local economy
How New York City earns a living
The city runs on finance and insurance in Manhattan, but most of its businesses are small: corner delis and bodegas, restaurants of every cuisine, garment and fashion workshops, media and advertising studios, construction trades working on renovations and new towers, and a large health care sector built around hospitals and clinics. The Port of New York and New Jersey feeds trucking and warehouse jobs in the outer boroughs, while tourism keeps hotels, theaters, tour operators and retail busy. Brooklyn and Queens host food makers, contractors and immigrant-owned shops that serve their own neighborhoods.
New York City's commercial leases are expensive and landlords rarely wait. That makes timing the real problem for many owners: sales are fine over the year, but a holiday lull, a slow summer in office districts or a delayed client payment can collide with rent day. Lenders who look at your deposit history across several months can usually see that pattern more clearly than a single bad week.
What fits
What New York City businesses apply for
- Working capital covers payroll and high commercial rent while a Manhattan restaurant or Brooklyn shop waits for a busy season to return.
- Equipment financing pays for kitchen lines, delivery vans and production machines without draining the cash a city business needs for rent.
- Invoice factoring helps contractors and suppliers who bill property managers, agencies or large corporate clients and wait weeks for payment.
Read more for: Restaurants · Construction (all trades) · Clothing boutiques · side-by-side costs
Public help
Before you borrow: local help
- SBA Metro New York District Office: the SBA office that covers New York City.
- NYC Department of Small Business Services: free city help with permits, financing guidance, training and hiring through NYC Business Solutions centers.
- New York: statewide resources and disclosure rules.
No affiliation implied.
FAQ
New York City funding questions
Do you work with businesses in every borough?
Yes. We refer businesses in Manhattan, Brooklyn, Queens, the Bronx and Staten Island, plus the surrounding suburbs. Lenders focus on revenue, time in business and credit rather than the borough on your lease.
Does New York have rules about how financing costs are disclosed?
New York has a commercial finance disclosure law, overseen by the Department of Financial Services, that requires cost disclosures on many offers. Read every disclosure and compare the total dollar cost before you sign anything.
Where can I get free advice in the city before I borrow?
The NYC Department of Small Business Services runs free business centers, and the SBA Metro New York District Office and local Small Business Development Centers offer free counseling. Both are good places to review a plan first.
I run a food cart and a small catering kitchen. Can I apply?
You can. Lenders look at your bank deposits and time in business, so a cart or kitchen with steady card and cash deposits may qualify. Licensing and permits in good standing help the file.
See your options in New York City
We call you back, usually the same day.