Manhattan storefronts and offices carry some of the heaviest fixed costs in the state. If a rough credit stretch is the only thing between you and working capital, your bank statements can tell a better story.
Apply Now →Manhattan operators run on tight, front-loaded costs. Rent is due on the first whether the week was good or not, payroll lands every other Friday, and a restaurant or boutique pays suppliers long before a busy weekend turns into deposits. One late payment during a slow winter, a landlord dispute, or a personal card carried too long can drag a score down while the business itself keeps depositing real revenue.
That gap is the reason score-only decisions miss so many sound businesses. A funder that reads the bank statements sees something a three-digit number does not: whether deposits arrive steadily, whether balances recover after rent and payroll, and whether the business has been operating through its own slow periods.
We consider FICO scores of 500 and up, ask for about three months of business bank statements, and do not require tax returns. The application takes about five minutes and uses a soft credit pull, so applying does not add a hard inquiry to your file. Sole proprietors can apply, which matters in a borough full of independent consultants, stylists, caterers and freelancers who bill under their own name.
Funding runs from $25,000 to $5,000,000, and funded in as little as 24 hours once the file is complete. A weaker score does not close the door, but it is one of the things a funder weighs alongside deposit history, so it is best to apply with clean, recent statements.
| Business type | Typical squeeze | What working capital often covers |
|---|---|---|
| Restaurants and cafes | Food cost and payroll before weekend revenue | Inventory, kitchen repairs, a second shift |
| Retail and boutiques | Seasonal stock bought ahead of the holidays | Inventory buys, display and lease improvements |
| Professional services | Clients paying invoices on long terms | Payroll gaps, software, marketing |
| Hospitality and events | Uneven bookings through the year | Staffing ahead of peak weeks, deposits to vendors |
For illustration only, and not a statement of our terms: a small agency bills a client $40,000 on net-60 terms but owes contractors and rent within the month. Waiting two months for that payment can mean missing a hiring window or a vendor discount. Working capital sized to the gap lets the business keep moving, and the invoice repays the decision when it clears. The right amount depends on the numbers in your statements, not on a rule of thumb.
When you are ready, start the five-minute application.
Yes. We consider FICO 500+, and the decision also looks at your recent bank statement activity rather than the score alone.
No hard pull. The application uses a soft credit pull, so it does not add an inquiry that lowers your score.
Sole proprietors can apply. You will need about three months of business bank statements, and no tax returns are required.
Not on its own. A funder weighs your whole file, including how deposits have behaved over the most recent months.
Funding ranges from $25,000 to $5,000,000. The amount offered depends on what your statements support.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
