Does Manhattan's commercial rent tax affect funding?

It affects some larger tenants' costs. We read your bank statements as they are.

How should I size a request around rent?

To the shortfall between your costs and your expected deposits, with a margin, not to a full year of rent.

Can a small independent shop apply?

Yes. Sole proprietors can apply.

How soon could I be funded?

In as little as 24 hours. We do not promise same-day timing.

Are tax returns required?

No. About three months of business bank statements.

Fast Business Funding in Manhattan | As Little as 24 Hours

The density problem

Manhattan is the densest commercial market in the state: restaurants and cafes, retail, professional offices, personal-service businesses and the trades that serve them. Rents are high, which makes any lull in sales costly, and a commercial rent tax applies to some larger commercial tenants in parts of the borough. Across the city, 78 business improvement districts cover about 320 miles of commercial corridors, and 2026's minimum wage is $17 an hour.

The cost lines that do not pause

Cost line	Why it does not flex	What a short gap does to it
Rent	Due on a fixed date under the lease	Late fees; strained landlord relationship
Hourly payroll	$17 an hour floor; staff leave if shorted	Turnover on top of lost sales
Supplier invoices	Terms tighten if you are late	Tighter terms next time
Insurance and licenses	Fixed schedules	Lapses or penalties

A slow month, worked through

For illustration only, with round numbers that are not our terms: a Manhattan cafe has monthly costs of $48,000 and brings in $52,000 in a normal month. A rough month brings in $41,000. The $7,000 shortfall is not a failure of the business; it is a timing gap that a normal month will repay. The owner's question is whether to cut hours, delay a supplier or fund the gap.

Cutting hours reduces sales further. Delaying suppliers raises costs later. Funding the gap keeps the cafe's operation intact, as long as repayment fits the deposits of a normal month.

Where speed matters most

Speed matters when the deadline is a lease date or a payroll date, because both are set by someone else. It matters less for expansion, where there is time to compare options. For a purchase that will last for years, equipment financing may fit better; for a repeating gap, a line of credit. This page is about the first case: one gap, one date.

Questions to ask before you borrow for rent

Is the shortfall one month or every month? One month is a timing gap; every month is a pricing or cost problem that funding will not fix.
Can the landlord be talked to first? A short written plan sometimes buys a week.
What does repayment look like in your slowest week of the year? Size the request to that week, not your best one.

A business that can answer all three is in a strong position to ask for a decision quickly, and a funder reading its statements will see the same story.

Our terms

We do not promise same-day timing. Funding can arrive in as little as 24 hours. We fund $25,000 to $5,000,000, 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. FICO 500+ is considered, and sole proprietors can apply. Start your application.

Fast business funding in Manhattan