Brooklyn owners tend to run unusual businesses with unusual cash cycles. A fixed amount is one tool among several; this page shows where it fits.
Apply Now →| Project | When it starts earning | Main thing to test |
|---|---|---|
| Studio or workshop build-out | After opening, often weeks later | Rent and payroll during the build |
| Commercial kitchen equipment | On installation | Whether volume fills the capacity |
| Vehicle for a delivery or trade business | Immediately, if work is booked | Booked work versus idle days |
| Retail refit or second unit | After reopening | Sales lost during closure |
The last column is where plans usually get tested. A project that looks good on paper can still fail on the weeks in between.
Brooklyn has restaurants and cafes, makers' studios, contractors, creative agencies, clinics and a large visitor economy alongside them. New York City has 78 business improvement districts across roughly 320 miles of commercial corridors, according to the city's FY25 BID trends report, and tourism is a major part of the city's economy. That mix means one owner may live on weekday regulars and another on weekend visitors, and the right size for a fixed payment differs accordingly.
If the need is one purchase with a quote, a lump sum fits. If it is uneven month to month, a flexible draw usually fits better, and if it is a short gap with money on the way, a short-term structure may. We do not publish rates or term lengths; the offer states the amount you receive, the total repayment and the structure. Subtract the first from the second to see the dollar cost.
A Brooklyn ceramics studio wants $40,000 for kilns and a ventilation upgrade, which would let it take larger wholesale orders. The owner lists three wholesale customers who have asked for more, assumes only one of them converts, and checks the payment against that. These numbers are invented to show the method. They are not our terms or a typical outcome.
If your sales swing by season or by the week, a project is easier to carry when the build or the closure falls in a slow stretch. A cafe that depends on summer foot traffic does better to refit in late winter. A maker whose orders peak before the holidays does better to install equipment in the quiet months. That is not always possible, since landlords, contractors and permits set their own schedules. But when you have a choice, line the disruption up with your weakest weeks and the payback up with your strongest, and you reduce the pressure on the first few payments.
We fund $25,000 to $5,000,000, with funding in as little as 24 hours once the file is complete. FICO 500+ is considered; the credit pull is soft; about three months of business bank statements; no tax returns. Sole proprietors can apply. The wage floor in New York City is $17 an hour in 2026, which is worth including when you test a payment against your slowest month. Apply here in about five minutes.
Yes. Sole proprietors can apply. The file is built on business bank statements.
That shows up in your statements. A short note on the cycle helps, and you should test any payment against your quietest months.
The application is short. Describe the purpose and amount clearly, and keep your quote ready.
In as little as 24 hours from a complete file.
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
