Best Business Loans in New York, NY

Compare 55 business loans companies serving New York, New York. Average rating: 4.3/5.

55 Companies 54 Rated Payday: Banned

New York Lending Regulations

New York bans payday lending through its 16% civil usury and 25% criminal usury caps. The Department of Financial Services aggressively pursues illegal online payday lenders. Consumers have strong protections under state law and can file complaints with DFS or the Attorney General.

Usury cap: 16% civil usury; 25% criminal usury; payday lending banned Agency: New York Attorney General Consumer Frauds Bureau

Top-Rated Business Loans

Accompany Capital

Accompany Capital is a New York-based CDFI providing affordable small business loans, financial training, and capacity-building services to underserved entrepreneurs, refugees, and women business owners for over 20 years.

4.5/5

Contact BBB: NR

Best for: Immigrant and refugee entrepreneurs in New York seeking affordable business loans with cultural competency and business training support, Women small business owners in New York who want targeted financing and networking with other female entrepreneurs

Kafene

Kafene is a lease-to-own financing platform that helps merchants approve customers across all credit profiles for furniture, appliances, and other goods up to $5,000.

4.5/5

Contact BBB: NR

Best for: Merchants (furniture stores, appliance retailers, electronics shops) seeking to increase sales conversion among subprime and no-credit customers, Customers with poor or no credit history who need immediate access to furniture or appliances with flexible payments

Kapitus

Kapitus is a business financing marketplace that connects small business owners with multiple lenders through a single application, offering business loans, equipment financing, lines of credit, and revenue-based financing options.

4.5/5

Contact BBB: NR

Best for: Small business owners seeking to compare multiple financing offers without submitting separate applications to each lender, Entrepreneurs with established business credit looking to understand and improve their business credit scores

Lendtek

Lendtek is a marketplace platform matching small businesses with 100+ lenders offering SBA loans, term loans, lines of credit, and merchant cash advances up to $15M.

4.5/5

Contact BBB: NR

Best for: Small business owners with 2+ years operating history seeking multiple loan options quickly, Businesses needing equipment or working capital without traditional bank relationships

Lendzi

Lendzi is an online lending marketplace that connects small business owners with 60+ lenders offering SBA loans, lines of credit, equipment financing, and merchant cash advances.

4.5/5

Contact BBB: NR

Best for: Small business owners seeking quick access to multiple lending options without shopping individual banks, Startup founders needing capital for hiring, equipment, inventory, or technology upgrades

SBG Funding

SBG Funding provides flexible small business loans up to $5M with same-day funding decisions and rates starting at 1.75%/month across multiple financing types.

4.5/5

Contact BBB: NR

Best for: Small business owners needing capital urgently and willing to pay premium rates for speed (same-day funding), Companies in niche industries (restaurants, HVAC, trucking, construction) where traditional bank lending is slower or more restrictive

All Business Loans in New York (55)

Accompany Capital

Accompany Capital is a New York-based CDFI providing affordable small business loans, financial training, and capacity-building services to underserved entrepreneurs, refugees, and women business owners for over 20 years.

4.5/5

Contact BBB: NR

Best for: Immigrant and refugee entrepreneurs in New York seeking affordable business loans with cultural competency and business training support, Women small business owners in New York who want targeted financing and networking with other female entrepreneurs

Kafene

Kafene is a lease-to-own financing platform that helps merchants approve customers across all credit profiles for furniture, appliances, and other goods up to $5,000.

4.5/5

Contact BBB: NR

Best for: Merchants (furniture stores, appliance retailers, electronics shops) seeking to increase sales conversion among subprime and no-credit customers, Customers with poor or no credit history who need immediate access to furniture or appliances with flexible payments

Kapitus

Kapitus is a business financing marketplace that connects small business owners with multiple lenders through a single application, offering business loans, equipment financing, lines of credit, and revenue-based financing options.

4.5/5

Contact BBB: NR

Best for: Small business owners seeking to compare multiple financing offers without submitting separate applications to each lender, Entrepreneurs with established business credit looking to understand and improve their business credit scores

Lendtek

Lendtek is a marketplace platform matching small businesses with 100+ lenders offering SBA loans, term loans, lines of credit, and merchant cash advances up to $15M.

4.5/5

Contact BBB: NR

Best for: Small business owners with 2+ years operating history seeking multiple loan options quickly, Businesses needing equipment or working capital without traditional bank relationships

Lendzi

Lendzi is an online lending marketplace that connects small business owners with 60+ lenders offering SBA loans, lines of credit, equipment financing, and merchant cash advances.

4.5/5

Contact BBB: NR

Best for: Small business owners seeking quick access to multiple lending options without shopping individual banks, Startup founders needing capital for hiring, equipment, inventory, or technology upgrades

SBG Funding

SBG Funding provides flexible small business loans up to $5M with same-day funding decisions and rates starting at 1.75%/month across multiple financing types.

4.5/5

Contact BBB: NR

Best for: Small business owners needing capital urgently and willing to pay premium rates for speed (same-day funding), Companies in niche industries (restaurants, HVAC, trucking, construction) where traditional bank lending is slower or more restrictive

Advance Cash Funding NY | RBM Funding Solutions

Business funding provider offering small business loans, merchant cash advances, lines of credit, and payment processing solutions with streamlined approval processes.

4.4/5

Contact BBB: NR

Best for: Small business owners with inconsistent credit history but strong cash flow, Merchants accepting credit card payments who need quick capital access

American Merchant Capital Group

American Merchant Capital Group offers small business financing including term loans, SBA loans, equipment financing, and working capital solutions with streamlined online applications.

4.4/5

Contact BBB: NR

Best for: Small business owners seeking alternatives to merchant cash advances with better terms, Entrepreneurs needing quick capital access with flexible loan product options

ascendus.org

Ascendus provides small business loans with a mission-driven approach, focusing on supporting entrepreneurs and understanding their individual business goals and financial needs.

4.4/5

Contact BBB: NR

Best for: Small business owners seeking personalized loan guidance beyond standard commercial banking, Entrepreneurs from underserved communities who value mission-driven lending relationships

Bad Credit Small Business Loans

New York State's SSBCI program offers over $500M in federal funding through multiple loan programs for small businesses, startups, and disadvantaged entrepreneurs recovering from COVID-19.

4.4/5

Contact BBB: NR

Best for: New York-based startups and early-stage businesses seeking affordable term loans under $100,000, Socially and economically disadvantaged business owners facing traditional lending barriers

BankCard

BankCard provides payment processing solutions and POS systems for restaurants, retail, spas, and other businesses, with options for surcharge programs and fast funding.

4.4/5

Contact BBB: NR

Best for: Restaurant owners seeking integrated POS systems with kitchen display and order management features, Retail and spa businesses wanting industry-specific payment solutions with reduced processing costs

Blue Gate Capital

Blue Gate Capital is a private money lender specializing in asset-based lending for real estate investors, offering fast capital for fix-and-flip, bridge, and rental property loans.

4.4/5

Contact BBB: NR

Best for: Real estate investors with identified fix-and-flip or bridge loan deals requiring rapid capital deployment, Rental property investors seeking DSCR or portfolio loans outside traditional mortgage underwriting

Bridge Consolidation

Bridge Consolidation is a small business lender offering capital solutions through lending and technology innovation, serving US and Canadian markets for over 18 years.

4.4/5

Contact BBB: NR

Best for: Small business owners in US or Canada seeking growth capital, Early-stage or growth-stage businesses open to direct lender engagement

Business Funding New York BFNYC

Business Funding New York offers multiple small business financing solutions including merchant cash advances and lines of credit with same-day to 24-hour funding for businesses with any credit score.

4.4/5

Contact BBB: NR

Best for: Small business owners with poor or fair credit who cannot qualify for traditional bank loans, Businesses needing rapid funding (24-48 hours) for immediate capital needs

Clarify Capital

Clarify Capital is a business loan marketplace connecting small business owners with 75+ lenders to secure funding up to $5M with rates starting at 6% APR and same-day approval.

4.4/5

Contact BBB: NR

Best for: Established small business owners (6+ months operating) with $10K+ monthly revenue seeking quick access to working capital, Business owners with fair to good credit (500-750 score range) wanting competitive rate shopping across multiple lenders

Corporate Development Group

Corporate Development Group offers merchant cash advances to small businesses, providing $5,000–$500,000 in funding within 48 hours for growth and operational needs.

4.4/5

Contact BBB: NR

Best for: Small business owners with strong daily credit card sales needing immediate working capital, Entrepreneurs who have been rejected by traditional banks but have established revenue

Credit Capital

Credit Capital offers lines of credit and working capital loans to small and medium-sized businesses nationwide through a network of bank and non-bank lending partners.

4.4/5

Contact BBB: NR

Best for: Small to mid-sized businesses needing flexible revolving credit for operational expenses, Businesses seeking quick working capital infusions (under 48 hours)

Creditfy

Creditfy provides fast business financing solutions including term loans, lines of credit, and equipment financing with approval in hours and funding within 24-48 hours.

4.4/5

Contact BBB: NR

Best for: Small business owners needing capital quickly for immediate operational or growth needs, Businesses with less-than-perfect credit or those rejected by traditional banks

FlatRock Capital Partners

FlatRock Capital Partners provides working capital solutions to small businesses through SBA loans, merchant cash advances, lines of credit, and traditional business loans with quick approval and flexible terms.

4.4/5

Contact BBB: NR

Best for: Small business owners needing faster SBA loan processing than traditional banks offer, Businesses seeking multiple financing options (term loans, lines of credit, cash advances) from one provider

Flexibility Capital

Flexibility Capital provides business term loans, lines of credit, and equipment financing up to $5M with fast approval and funding in as little as 24 hours.

4.4/5

Contact BBB: NR

Best for: Established small business owners needing $10K-$5M for expansion, equipment, or cash flow, Business owners prioritizing speed and want funding within 24-48 hours

Funderial Business Funding

Funderial Business Funding provides alternative business financing including term loans, merchant cash advances, equipment financing, and lines of credit to small and mid-market businesses with 6+ months operating history.

4.4/5

Contact BBB: NR

Best for: Business owners with 6+ months operating history unable to qualify for traditional bank loans due to credit or cash flow concerns, Established small businesses needing rapid capital access for expansion, equipment, or working capital within days rather than weeks

Llama Loan

Llama Loan is a business loan marketplace that connects small business owners with multiple lending options including term loans, lines of credit, SBA loans, and equipment financing through a fast online application.

4.4/5

Contact BBB: NR

Best for: Small business owners seeking flexible financing options who want to compare multiple lenders quickly, Business owners needing equipment financing or lines of credit for cash-flow management

Logic Advance

Logic Advance is a direct alternative lender offering small business funding up to $1M with same-day approval and funding. They specialize in merchant cash advances, lines of credit, and equipment financing.

4.4/5

Contact BBB: NR

Best for: E-commerce and retail businesses with consistent daily revenue seeking merchant cash advances, Established small businesses needing quick working capital without lengthy traditional bank approval processes

Madison Funding Partners

Manhattan-based alternative business financing lender serving small and medium-sized businesses nationwide with flexible capital solutions for growth and operational needs.

4.4/5

Contact BBB: NR

Best for: Small business owners seeking working capital for operational expenses like payroll and inventory, Medium-sized businesses planning expansion or renovation projects

Merchant Refi

Merchant ReFi provides business financing solutions including working capital loans, merchant cash advances, and equipment financing for small to mid-sized businesses seeking quick funding.

4.4/5

Contact BBB: NR

Best for: Small business owners in retail, food service, construction, and manufacturing seeking quick access to working capital, Established businesses needing equipment financing or inventory funding without lengthy traditional bank approval processes

MoFin Lending

MoFin Lending is a direct lender specializing in hard money and bridge loans for real estate investors, offering quick closings and transparent pricing for fix-and-flip, rental, and construction properties.

4.4/5

Contact BBB: NR

Best for: Active real estate investors with established portfolios seeking rapid funding for fix-and-flip or value-add projects, Rental property investors and landlords needing long-term financing for single properties or portfolios without personal income requirements

Real Enterprise Consulting LLC

Real Enterprise Consulting LLC offers business financial advisory services focused on helping entrepreneurs separate finances, build business credit, and structure sustainable income streams.

4.4/5

Contact BBB: NR

Best for: Early-stage entrepreneurs struggling to separate personal and business finances, Business owners unsure how to structure income (salary vs. distributions) for loan applications

Renaissance Economic Development Corporation

Non-profit community lender providing affordable small business loans, advisory services, and training to low-to-moderate income entrepreneurs across the NY Metro Area.

4.4/5

Contact BBB: NR

Best for: Immigrant and minority-owned small business startups in NYC and surrounding metro areas, Low-to-moderate income entrepreneurs unable to qualify for traditional bank financing

Retail Funding Corp

Manhattan-based business lender specializing in unsecured, low-documentation financing with 24-48 hour closing times for inventory, payroll, and emergency business needs.

4.4/5

Contact BBB: NR

Best for: Small retail or service businesses with immediate cash flow emergencies, Business owners needing inventory or payroll funding within days

Sky Small Business Loans

Sky Small Business Loans offers merchant cash advances, term loans, and lines of credit to small businesses across all 50 states, with claims of 2-hour approval times and same-day funding.

4.4/5

Contact BBB: NR

Best for: Established small businesses with 2+ years operating history and consistent card sales seeking rapid working capital without traditional bank approval timelines, Businesses with damaged or limited credit history but strong monthly revenue and payment processing volume

Star Funding, Inc.

Star Funding provides purchase order financing, accounts receivable factoring, and working capital solutions for small to mid-sized businesses needing cash flow support.

4.4/5

Contact BBB: NR

Best for: Small to mid-sized manufacturers needing to fund production for large purchase orders, Businesses with strong receivables seeking to accelerate cash collection through factoring

Start Up Business Loans New York

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4.4/5

Contact BBB: NR

Best for: Consumers in New York, New York looking for personal lending services, People who prefer working with a local personal lending provider

Synapse Payment Systems

Synapse Payment Systems provides transparent, fixed-fee credit card processing for merchants with competitive rates, next-day funding, and 24/7 U.S.-based support.

4.4/5

Contact BBB: NR

Best for: Small retail and restaurant merchants processing $25,000–$75,000 monthly who want transparent, fixed pricing, Businesses switching from high-fee processors seeking immediate rate reductions and simplified billing

Tip Top Capital

Tip Top Capital provides business funding solutions including commercial loans, working capital, equipment financing, and invoice factoring for small to mid-sized businesses.

4.4/5

Contact BBB: NR

Best for: Small business owners with credit scores under 670 who need working capital or equipment funding quickly, Companies seeking invoice factoring or purchase order financing for inventory/supply chain

Wisco Capital

Wisco Capital is a business loan marketplace that connects small business owners with a network of lenders offering SBA loans, term loans, equipment financing, and merchant cash advances.

4.4/5

Contact BBB: NR

Best for: Small business owners seeking multiple financing options without visiting multiple lenders, Businesses needing SBA-backed loans for asset purchases or expansion

WOW Payments

WOW Payments is a merchant services and POS provider offering free payment processing, equipment, and cash advance loans for small businesses.

4.4/5

Contact BBB: NR

Best for: Small retail businesses and restaurants seeking to eliminate merchant processing fees, Business owners needing integrated POS equipment and payment processing in one platform

Capifinders

Capifinders provides business financing solutions including term loans, lines of credit, equipment financing, and SBA loans ranging from $20,000 to $5-6 million with funding as fast as 24-72 hours.

4.3/5

Contact BBB: NR

Best for: Small to mid-sized business owners needing $20,000+ in capital for expansion or working capital, Businesses seeking flexible financing options through lines of credit or equipment purchases

Capital on Tap - US

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4.3/5

Contact BBB: NR

Best for: Consumers in New York, New York looking for credit repair services, People who prefer working with a local credit repair provider

FundFi Merchant Funding

FundFi Merchant Funding is an ISO partnership program offering merchant cash advances and business funding with same-day approvals and commission-based compensation for partners.

4.3/5

Contact BBB: NR

Best for: Independent Sales Organizations (ISOs) seeking merchant cash advance partnerships, Sales representatives and brokers looking to earn commissions on merchant funding deals

Payability

Payability provides same-day cash advances to Amazon and Walmart sellers by accelerating their marketplace earnings into daily payouts, with no credit checks required.

4.3/5

Contact BBB: NR

Best for: Amazon and Walmart third-party sellers with consistent monthly sales who need working capital for inventory or business operations, Marketplace sellers seeking to avoid traditional business loans and credit-based financing

Pursuit

Pursuit is an SBA-approved lender offering small business loans in NYC, including SBA 504, 7(a), microloans, and proprietary products for working capital and real estate financing.

4.3/5

Contact BBB: NR

Best for: NYC-based business owners seeking owner-occupied commercial real estate financing with 20+ year terms and fixed rates, Small businesses needing working capital or debt refinancing with flexible SBA 7(a) or proprietary line of credit options

Sekure Payment Experts

Merchant payment processing specialist that analyzes credit card processing statements, negotiates lower fees, and provides POS equipment and cashback solutions for small businesses.

4.3/5

Contact BBB: NR

Best for: Small retail, restaurant, and service businesses actively accepting credit cards and wanting to reduce processing fees, Businesses with 3+ years of processing history and existing statements to analyze

The Loan Source, Inc

The Loan Source is an SBA-licensed Small Business Lending Company (SBLC) since 1994, offering SBA loan programs, PPP forgiveness servicing, and a business services marketplace.

4.3/5

Contact BBB: NR

Best for: Small business owners seeking SBA-backed financing through a long-established, stable lender, PPP loan recipients needing professional forgiveness application support and guidance

Argus Merchant Services

Argus Merchant Services provides credit and debit card payment processing solutions for businesses nationwide, offering competitive rates and customer support across multiple industries.

4.2/5

Contact BBB: NR

Best for: Small to medium-sized beauty salons and spas needing merchant processing, eCommerce and online retailers requiring PCI-compliant payment integration

CFG Merchant Solutions

CFG Merchant Solutions provides revenue-based financing and small business loans to U.S. small-to-medium businesses, with over $2B in working capital deployed to 45,000+ funded businesses.

4.2/5

Contact BBB: NR

Best for: Small-to-medium businesses with consistent monthly revenue ($10K-$250K+/month) seeking fast working capital, Business owners with imperfect credit histories who struggle qualifying for bank loans

Fora Financial - Business Funding

Fora Financial provides small business funding solutions including term loans, lines of credit, and revenue advances up to $1.5M with approval decisions in as little as 4 hours.

4.2/5

Contact BBB: NR

Best for: Small to mid-sized businesses needing fast working capital for expansion or cash flow management, Retailers and service businesses with variable revenue that benefit from flexible revenue advance repayment structures

IceCap Group

IceCap Group is a private money lender specializing in short-term financing for real estate investors, offering bridge loans, fix & flip loans, construction financing, and DSCR loans with fast closing times.

4.2/5

Contact BBB: NR

Best for: Real estate investors seeking short-term bridge financing for property purchases or renovations, House flippers and fix & flip operators needing quick capital and fast closings

Advantage Merchant Funding

Advantage Merchant Funding provides merchant cash advances, small business loans, and lines of credit with rapid approval and funding timelines.

4.1/5

Contact BBB: NR

Best for: Merchants and retailers seeking quick capital access for immediate business needs, Small business owners with variable revenue who qualify for merchant cash advances

FIRMUS

Firmus is a merchant services and small business financing company offering POS systems, payment processing, and cash advances for restaurants and retail businesses.

4.1/5

Contact BBB: NR

Best for: Restaurant owners seeking integrated POS, payment processing, and quick cash solutions from one vendor, Merchants unhappy with current payment processing fees who want free cost analysis and bundled services

Biz2Credit

Biz2Credit is a New York-based fintech platform that has facilitated over $8 billion in funding to 200,000+ businesses, offering term loans, revenue-based financing, business lines of credit, and commercial real estate loans with 60-second prequalification.

3.7/5

Free BBB: NR

Best for: Mid-size businesses with $100K-$250K+ annual revenue wanting fast 24-hour decisions on term loans or LOC, Business owners with 575+ credit seeking revenue-based financing alternatives to traditional loans

Fora Financial

Fora Financial provides small business term loans up to $1.5M, revenue advances, lines of credit, SBA loans, and equipment financing with published factor rates, 4-hour approvals, and 24-hour funding for businesses with 570+ FICO scores.

NaN/5

Free BBB: A+

Best for: Businesses with credit scores as low as 570, Companies needing fast funding within 24 hours

JRG Funding

JRG Funding provides fast business loans up to $750,000 with same-day funding and approval in as little as 2 hours for small business owners.

4.1/5

Contact BBB: NR

Best for: Small business owners needing immediate capital for payroll or operational expenses, Entrepreneurs seeking equipment financing or expansion funding quickly

New York Tribeca Group

New York Tribeca Group is a private lending firm offering merchant cash advances and flexible business financing to small and medium-sized businesses nationwide with fast approval and funding.

4.1/5

Contact BBB: NR

Best for: Established small to medium-sized businesses with consistent revenue needing $20,000+ capital quickly, Business owners with fair credit (500+ FICO) who don't qualify for bank loans

Red Payments

Red Payments offers merchant payment processing solutions, POS systems, and business financing up to $250K for small businesses seeking modern payment technology.

4.1/5

Contact BBB: NR

Best for: Small to medium retail businesses wanting to modernize payment acceptance across multiple locations, Merchants seeking a bundled solution combining POS, processing, and financing in one provider

Sutton Funding - Merchant Cash Advance - Small Business Loans

Sutton Funding provides merchant cash advances, term loans, and lines of credit to small businesses up to $2M, with same-day funding and AI-driven approval in minutes.

4.1/5

Contact BBB: NR

Best for: Established small businesses with consistent monthly revenue but limited credit history or traditional collateral, Seasonal businesses needing quick inventory financing before peak periods (holiday retail, construction contracts)