Manhattan businesses carry high fixed costs, so the wrong funding structure hurts more here. This page lays out the options and what our review actually asks for.
Apply Now →Manhattan operators face rent levels, labor costs and, for some, the Commercial Rent Tax that make monthly overhead heavy and inflexible. The 2026 minimum wage in New York City is $17 an hour, and the Commercial Rent Tax applies to larger leases south of 96th Street (our explainer has the details). With that much fixed, the shape of any repayment matters as much as the amount.
That is why it helps to choose the structure first. A lump sum with fixed payments fits a project with a clear payback. A flexible line fits gaps that come and go.
| Situation | Product to compare |
|---|---|
| Buildout, renovation or expansion with a defined cost | Term loans in Manhattan |
| Uneven receivables from clients or insurers | Business line of credit |
| Kitchen gear, vehicles, medical or office equipment | Equipment financing |
| Card-heavy retail or restaurant sales | Merchant cash advance |
| Inventory and day-to-day float | Working capital |
Not every Manhattan business has a storefront. Law and accounting firms, design studios, agencies, consultants and tech shops often bill clients on 30- to 60-day terms while paying staff every two weeks. For those firms, the funding question is usually about receivables timing rather than inventory. A line of credit is often the natural fit, though a lump sum can make sense for a hire, an office move or a large project that requires upfront spend.
A Midtown design studio expects a $120,000 client payment in 60 days but has $45,000 of payroll due in the meantime. That is a timing gap that repeats with each big project, so a line of credit fits. A Greenwich Village cafe wants $80,000 for a kitchen renovation that should lift sales for years. That is a one-time investment with a clear payback, so a lump sum with fixed payments fits. Both examples are invented to show the reasoning and are not our terms or typical outcomes.
Bank and SBA loans typically ask for tax returns, financial statements and collateral, with longer timelines. Our process is lighter: a 5-minute application, a soft credit pull and about three months of business bank statements. No tax returns are required. Funding ranges from $25,000 to $5,000,000, and approved files can be funded in as little as 24 hours. We are not a bank, and owners should weigh speed against cost for their own situation.
Manhattan businesses across industries can apply, including sole proprietors. FICO scores from 500 are considered. For owners whose credit took a hit, our Manhattan bad-credit page describes how the review weighs bank-statement deposits alongside the credit report. Chinatown businesses can also see our Chinatown funding page.
From $25,000 to $5,000,000.
Yes. Client payments show up as deposits in your business bank statements, which are the basis of the review.
No tax returns are required. We review about three months of business bank statements.
See our fast funding page for Manhattan. Approved files can be funded in as little as 24 hours.
The application uses a soft credit pull.
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
