A Brooklyn avenue shop, a Navy Yard-area maker and a Sunset Park contractor face different cash gaps. This page sorts them by corridor.
Apply Now →Brooklyn's business life is spread across restaurants and bars, independent retail, makers and light manufacturing, construction trades and a large number of medical and personal-service practices. Commercial activity clusters in places like Downtown Brooklyn, Williamsburg, Sunset Park and the area around the Navy Yard, and along neighborhood avenues where a few blocks carry hundreds of small businesses. Citywide, 78 business improvement districts cover about 320 miles of corridors.
| Type of corridor | Common gap | What speed buys |
|---|---|---|
| Neighborhood avenue (retail, food) | Stock before holidays; equipment failure | Avoiding an empty shelf or a closed kitchen |
| Maker and light-industrial areas | Materials bought before orders ship | Filling an order on time |
| Downtown and office-adjacent | Slow-paying business clients | Meeting payroll while invoices clear |
| Trades and construction | Payment by stage; materials up front | Keeping a crew working |
When many businesses compete on the same few blocks, customers switch easily. A shop with an empty shelf, or a restaurant closed for a repair, may lose regulars to a neighbor. Landlords and suppliers keep their own calendars whatever the register shows, and New York City's $17 minimum wage in 2026 means payroll is a major fixed cost. Speed matters because the cost of a miss is lost customers, not just lost sales.
We do not promise same-day timing. Funding can arrive in as little as 24 hours, and we fund $25,000 to $5,000,000. We ask for about three months of business bank statements, with no tax returns required. The application takes about five minutes with a soft credit pull. FICO 500+ is considered, and sole proprietors can apply.
For illustration only, and not our terms: a Brooklyn contractor finishes the first stage of a job, buys $12,000 of materials for the second stage and pays a four-person crew each week, while the client's next payment is thirty days away. The job is sound; the timing is not. Funding sized to the materials and two weeks of wages keeps the crew on site. If the contractor waits instead, the crew may take other work, and the schedule slips, which is a cost the invoice never shows.
The same reasoning applies to a maker waiting on a wholesale payment, or a restaurant buying ahead of a holiday: the question is not whether money is cheap, but whether the gap it covers is worth more than it costs.
Start from the gap, not from the maximum. Add the bills due before the next deposit. Subtract what you expect to collect. Add a margin for a late customer. That figure, and not the largest number you could be offered, is the amount to request. Asking for less than the ceiling keeps repayment manageable and leaves room to ask again if a second gap appears.
Know your number and your deadline. Decide whether the gap is a one-time hole or a pattern. Have statements ready. Then start the application.
Yes. A business anywhere in the borough can apply.
We do not publish figures about applicants. The borough's economy includes restaurants, retail, trades and service businesses, and any of them can apply with about three months of business bank statements.
Yes, with about three months of business bank statements.
In as little as 24 hours. We do not promise same-day timing.
FICO 500+.
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
