60-second application
Short form. Three months of bank statements. No landlord letters. No 3-year tax returns. No DOB paperwork. Just proof you're making money.
Direct funder in New York
$80/sqft rent won't wait. Your capital shouldn't either.
Manhattan rent is due the first. Payroll clears Friday. Your bank wants 60 days to review your application. We wire $5K to $2M in 24 hours.
See What I Qualify For No credit pull · No commitment · 60 seconds
Why New York
2.3 million businesses. The most expensive place to operate one.
Manhattan commercial rent: $80+ per square foot. Brooklyn: climbing past $50. Queens is catching up. A 1,200-sqft restaurant space in Midtown costs more per month than most people's annual salary. Add in New York labor costs, insurance, licensing, and compliance, and you understand why cash flow is the single biggest killer of New York small businesses.
The banks here should help. They don't. Chase and Citi will take your application, request two years of tax returns, a personal financial statement, and collateral -- then come back 60-90 days later with a maybe. Meanwhile, the walk-in cooler in your Queens restaurant is leaking, the lease on that second location in Park Slope has a 30-day clock, and your contractor in the Bronx needs to start demo this week or lose the permit window.
We've funded 2,100+ New York businesses. Five boroughs, Long Island, Westchester, all the way up to Buffalo. Three months of bank statements. Decision same day. Capital in your account within 48 hours. No tax returns. No collateral. No waiting.
$5K - $2M
Funding range
30 Hours
Avg. funding time in NY
2,100+
NY businesses funded
Who we fund in New York
Four industries. Billions in overhead. Zero patience for banks.
New York overhead is brutal across every industry. These four feel it hardest and call us most.
Restaurants
27,000+ restaurants in the state. A Hell's Kitchen spot paying $22K/month rent can't survive a broken grease trap on a Friday night. A pizza operation in Brooklyn needs $35K for a new deck oven and can't wait 8 weeks. We fund the fix so the doors stay open.
Retail
SoHo boutiques pay $200/sqft. Even a small shop on Jamaica Ave in Queens is $40/sqft. Inventory buys happen months before revenue. Lease deposits can run 3-6 months up front. Retailers who wait for bank approval miss the buying window. We make sure they don't.
Medical Practices
A private practice in Brooklyn pays $8K-$15K/month rent, $12K+ for malpractice insurance, plus staff, equipment leases, and supplies. Insurance companies reimburse in 30-90 days. That gap between expenses and reimbursement is where practices go under. We fill it.
Construction
Renovations in Manhattan. Restaurant build-outs in Williamsburg. Commercial fit-ups in Long Island City. NYC construction never slows down. GCs wait 60+ days on draws while materials, union labor, and DOB permits drain cash every day. We keep the project moving.
How it works
Apply today. Funded tomorrow.
Manhattan, Brooklyn, Queens, the Bronx, Staten Island, Long Island, upstate. Same process. Same speed. No exceptions.
Same-day decision
We read deposits. New York overhead is massive -- we know. If revenue is consistent month over month, you're approved. Hours, not months.
Capital hits your account
One signature. Wire in 24-48 hours. Cover the lease deposit, replace the equipment, hire before the holiday rush, or start the build-out on time.
New York field note
$95K wired. 48 hours. Opened on schedule.
Medical practice · Brooklyn, NY
"Found a second location on Flatbush Ave. Lease started in 30 days. Needed $95K for build-out, equipment, and first month's rent. Bank wanted two years of practice financials and quoted 8 weeks. Westline pulled my deposits, approved me, and wired the money in 48 hours. We opened on schedule."
Common questions
New york business funding — answered.
Do you fund New York businesses with bad credit?
Yes. We've funded New York businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.
How fast can a New York business get funded?
Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.
How much can New York businesses qualify for?
$5K-$2M is the typical advance range for New York businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.
What do I need to apply?
Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.
Is this a loan?
No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.
Find out your number in 60 seconds.
No credit pull. No obligation. Bronx to Brooklyn to Buffalo -- same process, same speed.
Apply Now