A dead oven, a worn-out press or a van that failed inspection costs a Brooklyn shop more in lost days than in repair. Here is how to pay for the replacement without draining the account that covers rent and payroll.
Apply Now →Equipment problems rarely arrive on a convenient week. A bakery loses its deck oven, a print shop loses a press, a salon loses two chairs worth of dryers, a contractor loses a work van. Rent, payroll and supplier invoices keep arriving while the machine sits idle, so the real price of the failure is the replacement plus the days without it.
For illustration only, and not a statement of our terms: say a kitchen normally brings in $3,000 a day and a new oven is quoted at $14,000 with a three-week lead time. Three weeks of reduced service can cost more in sales than a good share of the oven itself. Working capital that arrives in days rather than weeks changes which of those two numbers you end up absorbing.
Buying the machine is often the easy part. Before anything is switched on, a Brooklyn operator usually has to work through a few practical items, and each one affects how much cash you need up front:
None of this is exotic, but it explains why a quote of $14,000 can turn into an $18,000 month. Fund the whole picture, not just the sticker price.
The 2026 minimum wage is $17 an hour in New York City, and it is indexed to rise from 2027. That makes equipment decisions partly a labor decision. A dishwasher, a label printer, a slicer, a better point-of-sale setup or a second delivery bike can replace hours you would otherwise be buying one shift at a time. If a purchase removes ten paid hours a week, put that against the amount you are asking for before you decide how large the request should be.
| Business | Typical equipment need | Why timing matters |
|---|---|---|
| Restaurant or cafe | Ovens, refrigeration, hoods, espresso machines | Every closed service day is lost revenue |
| Trade contractor | Vehicles, compressors, scaffolding, tools | A job starts on its date or it is lost |
| Salon or studio | Chairs, lighting, treatment tables | Appointments are booked in advance |
| Small manufacturer or workshop | CNC, printers, sewing and finishing lines | Orders have fixed ship dates |
Funding runs from $25,000 to $5,000,000, and we can fund in as little as 24 hours once the application is complete. We consider FICO scores of 500 and above, look at about three months of business bank statements, and do not ask for tax returns. The credit check at the application stage is a soft pull, and sole proprietors are welcome to apply. When you are ready, start the 5-minute application and tell us what you are buying.
Describe what you are buying on the application. The decision rests on your business bank statements and credit profile, so a used machine from a dealer or auction is a reasonable thing to discuss.
No. Many Brooklyn owners add delivery, installation and a cushion for the downtime period so the purchase does not strain the next payroll.
Yes. Sole proprietors can apply, and we work from about three months of business bank statements rather than tax returns.
The credit pull at the application stage is a soft pull.
We consider FICO scores of 500 and above. Recent deposits and how the account is run matter alongside the score.
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
